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IRCTC Bank Transaction Charge

IRCTC has updated its information about various bank transaction charges applied by different banks, payment gateway services and payment wallets. The new list has all the information about the transaction charges of latest new features implemented on IRCTC website recently like cash on delivery, pay later, BHIM app payment and GST. The following list will help to understand which bank transaction charges are less so that you can use that Bank or service for payment of your next ticket booking.

Net Banking

  1. State Bank of India - Rs. 10/- per transaction + Applicable Taxes
  2. State Bank of India and Associates - Rs. 10/- per transaction
  3. Federal Bank - Rs.10/- + Applicable Taxes
  4. Indian Bank - Rs. 10/- per transaction
  5. Union Bank of India - Rs. 10/- per transaction
  6. Andhra Bank - Rs.10/- + Applicable Taxes
  7. Punjab National Bank - Rs. 10/- per transaction
  8. Allahabad Bank - Rs.10/- + Applicable Taxes
  9. Vijaya Bank - Rs.10/- + Applicable Taxes
  10. AXIS Bank - Rs.10/- + Applicable Taxes
  11. HDFC Bank - Rs.10/- + Applicable Taxes
  12. Bank of Baroda - Transaction Charges NIL
  13. Karnataka Bank - Rs. 10/- per transaction
  14. Oriental Bank of Commerce - Rs.10/- + Applicable Taxes
  15. Karur Vysya Bank - Rs.10/-+ Applicable Taxes
  16. Kotak Mahindra Bank - Rs.10/- + Applicable Taxes
  17. ING Vysya Bank (now Kotak) - Rs.10/- + Applicable Taxes
  18. ICICI Bank - Rs.10/- + Applicable Taxes
  19. IndusInd Bank - Rs.10/- + Applicable Taxes
  20. IMPS - Rs. 5 for TXN Amt upto Rs. 5000/- and Rs. 10 for above.
  21. Central Bank of India - Rs. 10/- + Applicable Taxes
  22. Bank of India - Rs. 10/- per transaction
  23. Syndicate Bank - Rs. 10/- per transaction
  24. Bank of Maharashatra - Rs. 10/- per transaction
  25. IDBI Bank - Transaction Charges NIL
  26. Corporation Bank - Rs. 10/- per transaction
  27. Yes Bank - Rs. 10/- per transaction + Applicable Taxes
  28. Nepal SBI Bank Ltd. - NPR 19/- per transaction + Exchange Commision + Applicable Taxes
  29. South Indian Bank - Rs. 10/- per transaction + Applicable Taxes
  30. Canara Bank - Rs. 10/- per transaction + Applicable Taxes
  31. City Union Bank - Nil

Payment Gateway /Credit /Debit Cards

  1. Visa/Master Card(Powered By ICICI BANK) - 1.8% + Applicable Taxes
  2. Visa/Master Card(Powered By CITI BANK) - 1.8% + Applicable Taxes
  3. Visa/Master Card(Powered By HDFC BANK)
    - 1.8 % + Applicable Taxes for all domestic Credit Cards
    - 0.75% + Applicable Taxes for all domestic Debit Cards transaction amt. upto Rs. 2000
    - 1% + Applicable Taxes for all domestic Debit Cards transaction amt. above Rs. 2000

  4. American Express - 1.8% of Transaction Amount
  5. Visa/Master Card(Powered By AXIS BANK)
    - 1.65% + Applicable Taxes, For all Master/Visa Credit Cards.
    - 0.75% + Applicable Taxes, For all Domestic Debit Cards transactions Amount upto Rs. 2,000.
    - 1% + Applicable Taxes, For all Domestic Debit Cards transactions Amount above Rs. 2,000.

  6. RuPay Card (Powered by Kotak Bank) - Rs. 10/- per transaction + Applicable Taxes
  7. International cards (Powered by ATOM) - 4% of Transaction Amount (Including Applicable Taxes)

Debit Card with PIN

  1. State Bank of India - Rs. 10/- per transaction + Applicable Taxes
  2. Indian Overseas Bank - Rs. 10/- per transaction
  3. Punjab National Bank - Rs. 10/- per transaction
  4. Indian Bank - Rs. 10/- per transaction
  5. Union Bank of India - Rs. 10/- per transaction
  6. Bank of India - Rs. 10/- per transaction
  7. Andhra Bank - Rs.10/- + Applicable Taxes
  8. Canara Bank - Rs. 10/- per transaction
  9. CITI Bank - Rs.10/- or 1.8% whichever is higher + Applicable Taxes.
  10. ICICI Bank - Rs.10/- + Applicable Taxes
  11. HDFC Bank - Rs. 10/- per transaction + Applicable Taxes
  12. Central Bank of India - Rs. 10/- + Applicable Taxes
  13. AXIS Bank - Rs. 10/- per transaction + Applicable Taxes
  14. United Bank of India - Rs. 10/- per transaction + Applicable Taxes

Wallets/ Cash Cards

  1. ITZ Cash Card - Rs. 10/- or 1.5% whichever is lower
  2. I Cash Card - Rs. 10/- or 1.5% whichever is lower
  3. Oxigen Wallet - 1.80% + Applicable Taxes
  4. Paytm Wallet - 1.80% + Applicable Taxes
  5. Mobikwik Wallet - 1.80% + Applicable Taxes
  6. mRUPEE Wallet - 1.50 % + Applicable Taxes
  7. Paytm Wallet - 1.80% + Applicable Taxes
  8. Freecharge Wallet - 1.80% + Applicable Taxes
  9. SBI Buddy - Rs. 10/- per transaction + Applicable Taxes
  10. OLAMONEY Wallet - 1.30% + Applicable Taxes
  11. Airtel Money - 1.5% + Applicable Taxes

IRCTC Prepaid

  • IRCTC Union Bank prepaid (RuPay) - Rs. 10/- + Applicable Taxes

IRCTC eWallet

  • IRCTC eWallet - RCTC eWallet service charge ₹ 5 /-

EMI

  • CITI Bank - Pay in 3 EMI with Citibank Card, Transaction charges 2.8%

Multiple Payment Service (Credit and Debit Cards/ Netbanking /Wallets)

  1. Credit and Debit cards / Net Banking / Wallet (Powered by Paytm) - Credit card Card : 1.8% + Applicable Taxes, Netbanking : Rs.10/- + Applicable Taxes, E-Wallet : 1.8% + Applicable Taxes
  2. Credit and Debit cards / Net Banking / Wallet (Powered by ITZ) - Credit Card-1.8% + Applicable Taxes, International Cards- 4% + Applicable Taxes , Debit Card- 10/- + Applicable Taxes, Netbanking- 10/- + Applicable Taxes, Ewallets- 1.5% + Applicable Taxes
  3. Credit and Debit cards / Net Banking / Wallet (Powered by PayU) - Credit Card-1.8% + Applicable Taxes, Debit Card- 1.8% + Applicable Taxes, Netbanking- 10/- + Applicable Taxes, Ewallets- 1.8% + Applicable Taxes

mVisa / Scan and Pay (Offer)

  1. AXIS PG (mVisa / Scan and Pay) - Rs. 10/- per transaction + Applicable Taxes
  2. ATOM - mVisa - 1.75 % + Applicable Taxes

Pay On Delivery / Paylater

  1. Pay-On-Delivery (Powered by Anduril Technologies) - Rs. 90 + Applicable Taxes for TXN Amt upto Rs. 5000/- and Rs. 120 + Applicable Taxes for above
  2. ePaylater (Powered by Arthashastra Fintech Pvt. Ltd.) - 3.50% + Applicable Taxes

UPI / BHIM / USSD

  • UPI (Powered by AXIS BANK) also accepts Payments using BHIM - Rs.10/- + Applicable Taxes

Wallets

  1. PayU Money M - Txn Chgs: 1.8 % of net amt + G.S.T as applicable
  2. SBI BUDDY M - Unspecified
  3. Mobikwik Wallet M - Txn Chgs: 1.8 % of net amt + G.S.T as applicable
  4. JIO Money - Txn Chgs: 1.30 % of net amt + G.S.T as applicable
  5. Ola Money - Txn Chgs: 1.30 % of net amt + G.S.T as applicable
  6. Airtel Money - Txn Chgs: 1.8 % of net amount + G.S.T as applicable

Multiple Payment Service

  • PAYTM M - Txn Chgs: ₹ 10 for Net Banking other options 1.8% of Net Amt + G.S.T as applicable

Cash on Delivery (COD)

  • Pay-On-Delivery (Powered by Anduril Technologies) - Txn Chgs: ₹ 90 for Amt upto ₹ 5000 120 for Amt above ₹ 5000 + G.S.T as applicable
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