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The Indian Railway Catering And Tourism Corporation (IRCTC) oversees catering, tourism and online ticketing operations of the Indian Railways. Every time you book tickets via IRCTC, a nominal rate is charged for payments via net banking, credit/debit cards, e-wallets etc. For example, for every transaction done via State Bank of India (SBI), Punjab National Bank (PNB) Andhra Bank, and Federal Bank, among others, IRCTC charges Rs. 10 plus the applicable tax. For transactions made through digital wallet Paytm, IRCTC charges 1.80 per cent plus applicable tax, the ticketing arm of Indian Railways said on its website – irctc.co.in.
Given below is the list of bank transaction charges of IRCTC:
Net banking:
| State Bank of India | Rs. 10/- per transaction + Applicable Taxes |
| 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/- per transaction + Applicable Taxes |
| Karnataka Bank | Rs. 10/- per transaction |
| Oriental Bank of Commerce | Rs.10/- + Applicable Taxes |
| Karur Vysya Bank | Transaction Charges 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 | Transaction Charges 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 | Transaction Charges NIL |
| IDBI Bank | Transaction Charges NIL |
| Corporation Bank | Rs. 10/- per transaction |
| Yes Bank | Rs. 5/- per transaction + Applicable Taxes |
| Nepal SBI Bank Ltd. | NPR 19/- per transaction + Exchange Commision + Applicable Taxes |
| South Indian Bank | Transaction Charges NIL |
| Canara Bank | Rs. 10/- per transaction + Applicable Taxes |
| City Union Bank | Nil |
| Airtel Payments Bank | Rs.10/- + Applicable Taxes |
Payment Gateway /Credit /Debit Card
| Visa/Master Card(Powered By ICICI BANK) | – 1.8 % + Applicable Taxes for all domestic Credit Cards |
| – 0.25% + Applicable Taxes, For all Domestic Debit Cards transactions Amount upto Rs. 1,000. | |
| – 0.50% + Applicable Taxes, For all Domestic Debit Cards transactions Amount between Rs. 1001 – 2000 | |
| – 1% + Applicable Taxes, For all Domestic Debit Cards transactions Amount above Rs. 2,000. | |
| Visa/Master Card(Powered By CITI BANK) | 1.8 % + Applicable Taxes for all domestic Credit Cards |
| NIL , For all Domestic Debit Cards upto Rs. 1 Lakh | |
| Visa/Master Card(Powered By HDFC BANK) | – 1.8 % + Applicable Taxes for all domestic Credit Cards |
| – NIL , For all Domestic Debit Cards | |
| American Express | 1.8% of Transaction Amount |
| Visa/Master Card(Powered By AXIS BANK) | – 1.65% + Applicable Taxes, For all Master/Visa Credit Cards. |
| – NIL , For all Domestic Debit Cards | |
| RuPay Card (Powered by Kotak Bank) | Transaction Charges NIL upto Rs. 1 Lakh |
Debit card with PIN:
| State Bank of India | Transaction Charges NIL |
| Indian Overseas Bank | Transaction Charges NIL upto Rs. 1 Lakh |
| Punjab National Bank | Rs. 10/- per transaction |
| Indian Bank | – NIL , For transaction Amount upto Rs. 2,000. |
| – Rs. 10 , For transaction Amount above Rs.2,000. | |
| Union Bank of India | Rs. 10/- per transaction |
| Bank of India | Rs. 10/- per transaction |
| Andhra Bank | Rs.10/- + Applicable Taxes |
| Canara Bank | Transaction Charges NIL upto Rs. 1 Lakh |
| CITI Bank | Rs.10/- or 1.8% whichever is higher + Applicable Taxes. |
| ICICI Bank | Rs.10/- + Applicable Taxes |
| HDFC Bank | Transaction Charges NIL |
| Central Bank of India | Rs. 10/- + Applicable Taxes |
| AXIS Bank | Transaction Charges NIL |
| United Bank of India | Transaction Charges NIL upto Rs. 1 Lakh |
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/- per transaction + Applicable Taxes |
| OLAMONEY Wallet | 1.30% + Applicable Taxes |
| Airtel Money | .75% + Applicable Taxes |
| I Cash Card | 1.5% per transaction |
IRCTC prepaid, ewallet, Citi bank:
| IRCTC Union Bank prepaid (RuPay) | Rs. 10/- + Applicable Taxes |
| IRCTC eWallet | IRCTC eWallet service charge ₹ 10 /- |
| CITI Bank | Pay in 3 EMI with Citibank Card, Transaction charges 2.8% |
Multiple Payment Service
(Credit & Debit Cards/ Netbanking /Wallets / International Cards):
| Credit & Debit cards / Net Banking / Wallet (Powered by Paytm) | 1.8 % + Applicable Taxes for all domestic Credit Cards |
| NIL , For all Domestic Debit Cards upto Rs. 1 Lakh | |
| Rs. 10 + Applicable Taxes for Netbanking transactions | |
| 1.8 % + Applicable Taxes for E-wallet transactions | |
| International cards (powered by ATOM) | 4% of Transaction Amount (Including Applicable Taxes) |
| Credit & Debit cards / Net Banking / Wallet (Powered by ITZ) | 1.8 % + Applicable Taxes for all domestic Credit Cards |
| NIL ,For all Domestic Debit Cards upto Rs.1 Lakh | |
| Rs. 10 + Applicable Taxes for Netbanking transactions | |
| 1.5 % + Applicable Taxes for E-wallet transactions | |
| 4% + Applicable Taxes for International Cards | |
| Credit & Debit cards / Net Banking / Wallet (Powered by PayU) | 1.8 % + Applicable Taxes for all domestic Credit Cards |
| NIL , For all Domestic Debit Cards upto Rs. 1 Lakh | |
| Rs. 10 + Applicable Taxes for Netbanking transactions | |
| 1.8 % + Applicable Taxes for E-wallet transactions | |
| Credit & Debit cards / Net Banking / UPI (Powered by Razorpay) | 1.8 % + Applicable Taxes for all domestic Credit Cards |
| NIL ,For all Domestic Debit Cards upto Rs.1 Lakh | |
| Rs. 10 + Applicable Taxes ,For UPI transaction Amount above Rs.2,000. | |
| Rs. 10 + Applicable Taxes for Netbanking transactions |
Bharat QR / Scan & Pay
| AXIS PG (mVisa / Scan & Pay) | Rs. 10/- per transaction + Applicable Taxes |
| Atom – Bharat QR | 1.75 % + Applicable Taxes |
Pay On Delivery / Paylater
| Pay-On-Delivery (Powered by Anduril Technologies) | Rs. 90 + Applicable Taxes for TXN Amt upto Rs. 5000/- and Rs. 120 + Applicable Taxes for above |
| ePaylater (Powered by Arthashastra Fintech Pvt. Ltd.) | 3.50% + Applicable Taxes |
BHIM / UPI / USSD
| Pay using BHIM (Powered by AXIS BANK) also accepts UPI | Transaction Charges NIL |
Wallets( Mobile App)
| PayU Money M | Txn Chgs: 1.8 % of net amt + GST as applicable |
| Mobikwik Wallet M | Txn Chgs: 1.80 % of net amt + GST as applicable |
| JIO Money | Txn Chgs: 1.30 % of net amt + GST as applicable |
| Ola Money | Txn Chgs: 1.30 % of net amt + GST as applicable |
| Airtel Money | Txn Chgs: 1.8 % of net amt + GST as applicable |
Multiple Payment Service( Mobile App)
| PAYTM M | Txn Chgs: ₹ 10 for Net Banking, For Debit Cards: NIL for Amt upto ₹ 100000, For Other options 1.8% of Net Amt. GST as applicable |
| Zaakpay PG | Txn Chgs: ₹ 5 for Net Banking, For Debit Cards: NIL for Amt upto ₹ 100000, For Credit Cards: 1.26% of Net Amt. GST as applicable |
| PayU Money | Txn Chgs: ₹ 10 for Net Banking, For Debit Cards: NIL for Amt upto ₹ 100000, For Other options 1.8% of Net Amt. GST as applicable |
| Razorpay | Txn Chgs: ₹ 10 for Net Banking, For UPI: NIL for Amt upto ₹ 2000 and ₹ 10 for Amt above ₹ 2000, For Debit Cards: NIL for Amt upto ₹ 100000, For Credit Cards: 1.8 % of Net Amt. GST as applicable |
| PAYTM WALLET | Txn Chgs: 1.8 % of net amt + GST as applicable |
Cash on Delivery (COD)( Mobile App)
| Pay-On-Delivery (Powered by Anduril Technologies) | Txn Chgs: ₹ 90 for Amt upto ₹ 5000 and ₹ 120 for Amt above ₹ 5000 + GST as applicable |
Meanwhile, IRCTC is offering a seven-day tour at Rs. 35,165 to select destinations in southern India.
Source by:- ndtv
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