Credit Card Transaction Charges When Booking Tickets at IRCTC

To make it simple I want to tell you that you can use any credit card with any of the payment gateways listed below(except for American Express). This list shows only payment gateway options. Learn the payment gateway functionality & definition here. A payment gateway supports almost all types of credit cards only that their per transaction charges, failure rate and mode of verification can be little different.

In short if you have HDFC, ICICI or SBI etc credit card, or any Master/Visa to make it even simpler use any option below. Better use Axis Bank Gateway since it is charging 1.65% as credit card transaction charges which is costing lowest. Also Axis Bank gateway has high level of transaction failure rate and it is not good at providing customer services. Axis bank is best bank among the list of worst banks in India.

Don't forget to read the summary of bank charges here.

SNo. Payment Gateway Charges Comments
1 AXIS Bank Gateway 1.65% For all Visa/Master Credit Cards (Only domestic credit cards) /Debit cards (If enabled by card Issuer).
2 ICICI Bank Gateway 1.8% For all Visa/Master Credit Cards (Only domestic credit cards) / Debit cards (If enabled by card Issuer).
3 HDFC Bank Gateway 1.8% For all Visa/Master Credit Cards (Only domestic credit cards) / Debit cards (If enabled by card Issuer).
4 CITI Bank Gateway 1.8%+Service Tax For all Visa/Master / Diners Club credit cards/Visa Debit cards (If enabled by card Issuer).
5 American Express 1.8% For all credit cards issued by American Express.
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