IRCTC RuPay Pre-Paid Debit Card

Benefits of IRCTC RuPay Debit Card

Do you make frequent train bookings via IRCTC? If yes, then there are several benefits which this IRCTC RuPay pre-paid debit card has to offer. Given below are some of the notable benefits accompanying this RuPay debit card.

1. With the RuPay pre-paid debit card, you can easily make railway ticket bookings on the IRCTC portal online.
2. When you book your railway tickets with a debit or credit card, there is a transaction charge that is levied on each transaction. When you make railway bookings with the IRCTC RuPay pre-paid card, there will be no transaction charges levied for the first six months. This means that you can book up to 5 railway tickets each month from one card without having to pay the transaction charges for the first 6 months after getting the card.
3. Once the initial transaction charge-free period of 6 months is over, a very nominal fee of Rs 10 will be charged per booking transaction you make with your RuPay pre-paid card.
4. IRCTC RuPay pre-paid debit card holders who have complied with the complete KYC formalities will be eligible for one of the most important benefits which this card offers, which is Accident Insurance worth Rs. 2 lakh.
5. You do not need to have an account opened with union Bank of India in order to apply and receive the IRCTC RuPay pre-paid debit card.
6. Another notable benefit provided with this card, similar to other debit/credit cards is reward points. IRCT RuPay debit card holders will be eligible to earn exciting reward points on every purchase they make with this debit card.
7. Experience the convenience of transacting cashless with this IRCTC RuPay debit card which is fit to be used not only for online transactions but also at merchant establishments where pre-paid card are accepted.
8. Being an IRCTC associated card, you can make railway bookings on the IRCTC site in a jiffy.
9. Ran out of funds on your pre-paid card? Don’t worry, you can easily reload this card any time you want by following a few simple steps.

IRCTC RuPay Debit Card Variants

The IRCTC RuPay pre-paid debit card is available in two variants. These include a virtual card and a physical card. Read on to find out more about each variant.

1. Virtual Card
   1. The virtual IRCTC RuPay pre-paid card comes with a validity of one year and a maximum card limit of Rs.10, 000. While this card is offered free of any charge, the card holder must provide the requested KYC details to obtain the card.
   2. Once the applicant has applied for the card, their credentials will be mailed to their registered email address. The same address can further be used for making train ticket bookings.
2. Physical Card
   1. The physical IRCTC RuPay pre-paid debit card comes with varied validity and card limits, depending on the KYC formalities completed. If the card holder has provided partial KYC details, then they can enjoy card validity for one year with a maximum card limit of Rs.10, 000.
   2. If the card holder has provided all the requested KYC details, then the can enjoy a longer validity period of 3 years on their pre-paid debit card, along with an enhanced card limit of Rs. 50,000.
   3. Once the application process for the card is complete, the card will be mailed to the applicant’s registered mailing address. Once the physical card expires, one can apply for a new card. Once the card expires, user has to apply for a new card.
   4. While there is no charge levied on the application of the virtual card, a charge of Rs 50 will be levied for the issue of the physical card.

IRCTC RuPay Debit Card VariantsThe IRCTC RuPay pre-paid debit card is available in two variants. These include a virtual card and a physical card. Read on to find out more about each variant.Virtual CardThe virtual IRCTC RuPay pre-paid card comes with a validity of one year and a maximum card limit of Rs.10, 000. While this card is offered free of any charge, the card holder must provide the requested KYC details to obtain the card. Once the applicant has applied for the card, their credentials will be mailed to their registered email address. The same address can further be used for making train ticket bookings.Physical CardThe physical IRCTC RuPay pre-paid debit card comes with varied validity and card limits, depending on the KYC formalities completed. If the card holder has provided partial KYC details, then they can enjoy card validity for one year with a maximum card limit of Rs.10, 000. If the card holder has provided all the requested KYC details, then the can enjoy a longer validity period of 3 years on their pre-paid debit card, along with an enhanced card limit of Rs. 50,000. Once the application process for the card is complete, the card will be mailed to the applicant’s registered mailing address. Once the physical card expires, one can apply for a new card. Once the card expires, user has to apply for a new card. While there is no charge levied on the application of the virtual card, a charge of Rs 50 will be levied for the issue of the physical card.Charging & Loading Your IRCTC RuPay Pre-paid Debit Card

Since this is a pre-paid card, you will require to reload money into the card once the funds are spent. The minimum amount for which the card can be recharged is set at Rs 500 and the maximum amount which can be loaded into this pre-paid card varies with KYC formalities completed by the applicant.

In case partial KYC details have been provided, the maximum amount that can be loaded into the card is set at Rs 20,000. If complete KYC details have been provided, then the card holder can add a maximum of Rs 50,000 on this card.

How Do I Purchase The IRCTC RuPay Pre-Paid Debit Card?

The IRCTC RuPay pre-paid debit card can be used for much more than just booking train tickets via the IRCTC portal. If you are looking to obtain this card, you have two options. The first option is to apply online on the IRCTC website. The second option you have is to personally visit any Union Bank of India (UBI) branch and request to apply for the card.

Difference Between The RuPay Card & Other Debit/Credit Cards

Debit and credit cards have definitely become two of the major forms of making payments for purchases due to the convenience and security they offer.

However, the RuPay Card is equally well-appointed in terms of convenience and security when it comes to transacting cashless. Here are some differences between the regular debit/credit cards and the RuPay debit card.

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