Bank's Transaction Charges on IRCTC Website
Wallet and Cash Card
Bank Name Transaction Charges
Paytm Wallet 1.80 % + Applicable Taxes
Mobikwik Wallet 1.80 % + Applicable Taxes
Airtel Money 1.80 % + Applicable Taxes
Amazon Pay Balance 1.80 % + Applicable Taxes
IRCTC eWallet ₹10/- + Applicable Taxes
Net Banking
Bank Name Transaction Charges
State Bank of India ₹10/- + Applicable Taxes
The Federal Bank Ltd. ₹10/- + Applicable Taxes
Indian Bank ₹10/- + Applicable Taxes
Punjab National Bank ₹10/- + Applicable Taxes
The Karur Vysya Bank Ltd. ₹10/- + Applicable Taxes
The Karnataka Bank Ltd. ₹10/- + Applicable Taxes
ICICI Bank Ltd. ₹10/- + Applicable Taxes
Kotak Mahindra Bank Ltd. ₹10/- + Applicable Taxes
Central Bank of India ₹10/- + Applicable Taxes
Yes Bank Ltd. ₹10/- + Applicable Taxes
Nepal SBI Bank Ltd. NPR 19/- per Transaction + Exchange Commission + Applicable Taxes
The South Indian Bank Ltd. ₹10/- + Applicable Taxes
City Union Bank Ltd. Nil
Canara Bank ₹10/- + Applicable Taxes
Airtel payments Bank Ltd. ₹10/- + Applicable Taxes
IDFC FIRST Bank Ltd. ₹10/- + Applicable Taxes
Payment Gateway
Bank Name Transaction Charges
1.0 % + Applicable Taxes for all Domestic Credit Cards
Visa/Master/RuPay Card NIL for all Rupay Debit Cards
(Powered By HDFC BANK) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all Domestic Credit Cards
Visa/Master/RuPay Card NIL for all Rupay Debit Cards
(Powered By ICICI BANK) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0% + Applicable Taxes for all domestic Credit Cards
Visa/Master/RuPay Card NIL for all Rupay Debit Cards
(Powered by Kotak Mahindra Bank) 0.4% + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9% + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0% + Applicable Taxes for all domestic Credit Cards
Bharat QR/Credit cards/Debit cards NIL for all Rupay Debit Cards
(Powered by NTT Data) 0.4% + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9% + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
International cards (Powered by NTT Data) 3.5 % + Applicable Taxes
American Express Banking Corp. 1.8 % of Transaction Amt. + Applicable Taxes
Multiple Payment Provider
Bank Name Transaction Charges
NIL for UPI Transaction
Credit & Debit cards/Net Banking /Autopay/UPI NIL for all Rupay Debit Cards
(Powered by IRCTC) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.8 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for all Autopay Transactions (included UPI
transactions)
NIL for UPI Transaction
Credit & Debit cards/Net Banking/Wallet/ UPI NIL for all Rupay Debit Cards
(Powered by Paytm) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
NIL for UPI Transaction
Credit & Debit cards/Net Banking/UPI NIL for all Rupay Debit Cards
(Powered by Razorpay) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
3.5 % + Applicable Taxes for International Cards
NIL for UPI Transaction
Credit & Debit cards/Wallet/UPI NIL for all Rupay Debit Cards
(Powered by PhonePe) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all Domestic Credit Cards
1.8 % + Applicable Taxes for E-wallet transactions
NIL for all UPI Transactions
Credit & Debit cards/Net Banking/Wallet/UPI NIL for all Rupay Debit Cards
(Powered by PayU) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
3.5 % + Applicable Taxes for International Cards
NIL, for UPI Transaction
Credit & Debit cards/NetBanking/UPI/Wallets NIL, for all Rupay Debit Cards
(Powered by Safexpay) 0.4% + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9% + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0% + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
3.5% + Applicable Taxes, for International Cards
NIL for UPI Transaction
Credit & Debit Cards NIL, for all Rupay Debit Cards
(Plural, Powered By Pine Labs) 0.4% + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9% + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0% + Applicable Taxes for all domestic Credit Cards
3.5% + Applicable Taxes, for International Cards
Amazon Pay Wallet (Powered by Amazon) 1.8 % + Applicable Taxes for E-wallet transactions
UPI
Bank Name Transaction Charges
UPI (Powered by PAYTM) Nil
UPI (Powered by AMAZONPAY) Nil
EMI
Bank Name Transaction Charges
Cashe EMI PG Charges NIL
Bajaj Finserv EMI PG Charges NIL
Bank Transaction Charges on IRCTC Mobile App
Wallet
Bank Name Transaction Charges
Paytm Wallet 1.8 % of net Amt. + GST as applicable
Mobikwik Wallet M 1.80 % of net Amt. + GST as applicable
Multiple Payment Provider
Bank Name Transaction Charges
NIL for UPI Transaction
Credit & Debit cards/Net Banking /Autopay/UPI NIL for all Rupay Debit Cards
(Powered by IRCTC) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.8 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for all Autopay Transactions (included UPI
transactions)
NIL for UPI Transaction
Credit & Debit cards/Net Banking/Wallet/UPI NIL for all Rupay Debit Cards
(Powered by Paytm) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
NIL for UPI Transaction
Credit & Debit cards/Net Banking/UPI NIL for all Rupay Debit Cards
(Powered by Razorpay) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
3.5 % + Applicable Taxes for International Cards
NIL for UPI Transaction
Credit & Debit cards/UPI/Wallet NIL for all Rupay Debit Cards
(Powered by PhonePe) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all Domestic Credit Cards
1.8 % + Applicable Taxes for E-wallet transactions
NIL for all Rupay Debit Cards
Credit & Debit cards/Net Banking/Wallet 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to ₹2000
(Powered by PayU Money) 0.9 % + Applicable Taxes for Other Domestic Debit Cards more than
₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8% + Applicable Taxes for E-wallet transactions
3.5 % + Applicable Taxes for International Cards
NIL for all Rupay Debit Cards
Credit & Debit cards/Net Banking/Wallet 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
(Powered by Zaakpay) ₹2000
0.9% + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
NIL for UPI Transaction
Credit & Debit cards/Net Banking/Wallet/ UPI NIL for all Rupay Debit Cards
(Powered by Airpay) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
3.5 % + Applicable Taxes for all International Cards
1.8% + Applicable Taxes for Other options
NIL for UPI Transaction
Credit & Debit cards / Net Banking / Wallet / UPI NIL for all Rupay Debit Cards
(Powered by IndusInd) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
Credit & Debit cards / Net Banking / Wallet / UPI NIL for all Rupay Debit Cards
(Powered by HDFC) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all Domestic Credit Cards
NIL for UPI Transaction
Credit & Debit cards / UPI NIL for all Rupay Debit Cards
(Powered by Easebuzz) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
3.5 % + Applicable Taxes for International Cards
NIL for UPI Transaction
Credit & Debit cards / Net Banking / UPI NIL for all Rupay Debit Cards
(Powered by Cashfree) 0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
1.8 % + Applicable Taxes for E-wallet transactions
Credit & Debit cards / Net Banking / UPI NIL for UPI Transaction
(Powered by Pay10) NIL for all Rupay Debit Cards
0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
1.0 % + Applicable Taxes for all domestic Credit Cards
₹10 + Applicable Taxes for Netbanking transactions
NIL for UPI Transaction
Credit cards / UPI (Powered by CRED pay) 1.0 % + Applicable Taxes for all domestic Credit Cards
UPI
Bank Name Transaction Charges
UPI (Powered By PayTM) NIL
UPI (Powered By Razorpay) NIL
PG
Bank Name Transaction Charges
1.0 % + Applicable Taxes for all domestic Credit Cards
ICICI PG (Visa/Master Card) NIL for all Rupay Debit Cards
0.4 % + Applicable Taxes for Other Domestic Debit Cards up to
₹2000
0.9 % + Applicable Taxes for Other Domestic Debit Cards more
than ₹2000
American Express PG 1.8 % of Transaction Amt. + Applicable Taxes
Book Now Pay Later/EMI
Bank Name Transaction Charges
ePaylater (Powered by Arthashastra Fintech Pvt. Ltd.) 3.5 % + Applicable Taxes
Paytm Pay later 2.2 % of Amt. + Applicable Taxes for Post paid
Stash fin pay later 0 % interest rate,
3.5 % of the ticket amt as the convenience charges + Applicable
Taxes
Simpl BNPL 3.5 % + Applicable Taxes (0% Interest)
Pine Lab Emi 2.0 % + Applicable Taxes for Debit Card
2.0 % + Applicable Taxes for Credit Card
Cashe Emi Txn Chgs: Interest rate NIL for amount below ₹1000
Interest rate up to 3.0% per month for amount above ₹1000
Bajaj Emi NIL
Date: 07-Aug-2024
