Bank Charges You You Pay Booking Tickets Online at IRCTC

Learn more about all payment options available at IRCTC for booking tickets.

Summary of IRCTC Payment Transaction Charges of Banks

  1. No charges if you pay by Netbanking of IDBI, PNB, Federal Bank, Indusind Bank and Bank of Baroda. Not to remind you about pathetic online access experience of PNB.
  2. Even if your bank is not listed you can use your Debit Card online. More about this on Payment Facilities at IRCTC. In fact if you pay by debit card it could be free(in case of Yes Bank) or cost Rs. 10 ( including service tax). In that case you save Rs. 1.13.
  3. For small amounts it is advisable to pay by credit card where bank transaction charges are 1.8% or so. That means if you book ticket of Rs. 555 then @1.8% you pay total charges of Rs. 10.
  4. Cash cards could cost less for low amount tickets but remember if you lose the card you lose the money in it.
  5. In case of Credit/Debit cards you can use any banks payment gateway except for cards issued by American Express & Diners Club. That means you can use your HDFC Bank debit card using Citi gateway.
  6. Which is the fastest way to pay? I'd say using SBI's netbanking could be the best and fastest way to pay.
  7. Remember these charges are beyond IRCTC charges and can also be called as commission earned by banks or payment channels which IRCTC has nothing to do with.

IRCTC Charges List

Click on the payment channel below to see it's charges,

  1. Netbanking/Bank Account/Mobile Banking Charges

  2. Payment by Debit Cards/ATMs Charges

  3. Payment by Credit Cards Charges

  4. EMI Option Using Credit Cards Charges

  5. Cash Cards Charges

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