IRCTC Online Transactions: Here's How Much You Pay On Net Banking, Wallets, Card Payments
Indian Railway Catering And Tourism Corporation  (IRCTC), the e-ticketing arm of Indian Railways, offers several payment options such as net banking, debit/credit cards and mobile wallets for booking of train tickets. However, passengers have to pay certain charges on making payments through these gateways. For example, for every transaction done via State Bank of India (SBI), Punjab National Bank (PNB), Indian Bank and Union Bank of India, among others, IRCTC charges Rs 10 per transaction, according to IRCTC's website - irctc.co.in.
Given below are transactions charges levied by IRCTC for payments done via net banking, credit/debit cards and wallets:
Net banking
| State Bank of India and Associates | Rs. 10/- per transaction |
| Federal Bank | Rs.10/- + Applicable Taxes |
| Indian Bank | Rs. 10/- per transaction |
| Union Bank of India | Rs. 10/- per transaction |
| Andhra Bank | Rs.10/- + Applicable Taxes |
| Punjab National Bank | Rs. 10/- per transaction |
| Allahabad Bank | Rs.10/- + Applicable Taxes |
| Vijaya Bank | Rs.10/- + Applicable Taxes |
| AXIS Bank | Rs.10/- + Applicable Taxes |
| HDFC Bank | Rs.10/- + Applicable Taxes |
| Bank of Baroda | Rs.10/- + Applicable Taxes |
| Karnataka Bank | Rs.05/- + Applicable Taxes |
| Oriental Bank of Commerce | Rs.10/- + Applicable Taxes |
| Karur Vysya Bank | - NIL |
| Kotak Mahindra Bank | Rs.10/- + Applicable Taxes |
| ING Vysya Bank (now Kotak) | Rs.10/- + Applicable Taxes |
| ICICI Bank | Rs.10/- + Applicable Taxes |
| IndusInd Bank | - NIL |
| IMPS | Rs. 5 for TXN Amt upto Rs. 5000/- and Rs. 10 for above. |
| Central Bank of India | Rs. 10/- + Applicable Taxes |
| Bank of India | Rs. 10/- per transaction |
| Syndicate Bank | Rs. 10/- per transaction |
| Bank of Maharashatra | - NIL |
| IDBI Bank | - NIL |
| Corporation Bank | Rs. 10/- per transaction |
| Yes Bank | Rs. 10/- + Applicable Taxes |
| Nepal SBI Bank Ltd. | NPR 19/- per transaction + Exchange Commision + Applicable Taxes |
| South Indian Bank | - NIL |
| Canara Bank | Rs.10/- + Applicable Taxes |
| City Union Bank | Nil |
| Airtel Payments Bank | Rs.10/- + Applicable Taxes |
(As mentioned on IRCTC's official website- irctc.co.in)
Credit/Debit cards
| Visa/Master Card | NIL , For all Domestic Debit Cards upto Rs. 1 Lakh |
| (Powered By CITI BANK) | 1.8 % + Applicable Taxes for all domestic Credit Cards |
| Visa/Master Card(Powered By HDFC BANK) | - NIL , For all Domestic Debit Cards |
| - 1.8 % + Applicable Taxes for all domestic Credit Cards | |
| American Express | 1.8% of Transaction Amount |
| Visa/Master Card(Powered By AXIS BANK) | - NIL , For all Domestic Debit Cards |
| - 1.65% + Applicable Taxes, For all Master/Visa Credit Cards. | |
| RuPay Card (Powered by Kotak Bank) | - NIL upto Rs. 1 Lakh |
 (As mentioned on IRCTC's official website- irctc.co.in)
Wallets/Cash cards
| ITZ Cash Card | Rs. 10/- or 1.5% whichever is lower |
| I Cash Card | 1.5% per transaction |
| Oxigen Wallet | 1.80% + Applicable Taxes |
| Paytm Wallet | 1.80% + Applicable Taxes |
| Mobikwik Wallet | 1.80% + Applicable Taxes |
| mRUPEE Wallet | Transaction Charges NIL |
| Paytm Wallet | 1.80% + Applicable Taxes |
| Freecharge Wallet | 1.80% + Applicable Taxes |
| SBI Buddy | Rs. 10/- + Applicable Taxes |
| OLAMONEY Wallet | 1.30% + Applicable Taxes |
| Airtel Money | .75% + Applicable Taxes |
| I Cash Card | 1.5% per transaction |
(As mentioned on IRCTC's official website- irctc.co.in)
IRCTC also offers secure online payment via it's e-wallet service. IRCTC e-wallet is a scheme under which user can deposit money in advance with IRCTC and later use it for paying money at the time of booking tickets.Â
-
High US Salaries, No Green Card Certainty: The Financial Calculation Facing Indian H-1B Families
The suspension of PERM processing at eight technology employers does not cancel existing H-1B visas. What it does is force a question many Indian families have been avoiding: is the US salary worth tying your career and family plans to one employer?
-
Swiggy vs Eternal: Food Delivery's Two Rivals Are No Longer In The Same Race
Eternal is building a private AI assistant, dark.ai. Swiggy is still working out how to make Instamart pay, with an operating loss of Rs 895 crore in the July-September quarter while Blinkit stayed profitable.
-
Where You Live Shapes How You Get To Work | The Reason Why
Two-wheelers are the most popular way to get to work in India, accounting for nearly 43% of workplace commutes.
-
Unhedged Position: Can India See An Indonesia-Style Time Correction?
The Nifty is trading below levels it first clocked in 2024. Is there, then, as I have suggested in the headline, potential that the current time correction drags on painfully for the next three-five, even ten years?
-
Navigating Friction And Energy Realities: An Analysis Of Marco Rubio's October Visit To India
Occurring at a critical juncture marked by stalled trade negotiations and escalating geopolitical pressures over global energy supplies, the visit offers a profound window into modern US-India relations.
-
India Exports Capital. Why Not Export Trusteeship?
The big question, then, is whether India can build an institution that global borrowers, investors, banks, and lawyers can trust, even without an Indian connection.
-
France's Economy & Politics Are In Crisis | The Reason Why
Let's look at how the French economy and politics evolved under Nicolas Sarkozy, Franois Hollande and Emmanuel Macron.
-
You May Inherit The Business. You Must Earn Its Credibility.
Succession tests the founder's ability to share authority as much as it tests the next generation's readiness to assume it.
-
Signing Deals Is One Thing; Making Them Work Is Another | The Week In Whys
Sometimes, things don't turn out as planned. Indian companies have lost some bids to rivals, some projects won't produce until 2030.
-
FOMC Wall, PERM Suspension, Hospital Stocks | Talking Points This Week
A PERM suspension would directly affect green-card sponsorship rather than H-1B visas, so the near-term earnings impact could remain relatively limited. The key question is whether this marks a new phase in US scrutiny of Indian IT.
