Train travel remains India’s go-to for budget journeys. Whether you're heading home for Diwali or planning a summer trip, booking your IRCTC tickets smartly can unlock major savings. SavePlus India brings you the best bank offers, promo codes, and cashback tricks to help you book smarter and save more on every train ride across India.

SBI YONO – 10% Instant IRCTC Discount

SBI's YONO app integration with IRCTC is an excellent way to unlock train ticket savings with ease. Whether traveling for business, pilgrimage, or family visits, YONO streamlines booking while applying discounts automatically. This offer especially benefits regular commuters. With a 10% instant discount, it caters to both budget and convenience. It reduces total fare while avoiding coupon hunting. No extra steps are needed.

• 10% instant discount via YONO IRCTC integration ensures quick savings for every booking without manual effort.
  
  
• Minimum booking value of ₹300 for the discount to apply makes this deal accessible for even short journeys.
  
  
• Applicable on both AC and Sleeper classes, making it suitable for budget and premium travellers alike.

Pro Tip: Use SBI Rewards to combine with YONO for dual benefits and extra travel perks.

HDFC SmartBuy Rail Deals

HDFC Bank’s SmartBuy platform is known for its curated discounts and cashback opportunities. The rail ticket offer is one of the most reliable for frequent train users. It rewards bookings with cashback and is valid throughout the year. You get a solid 5% return on your spend. With both debit and credit card support, it appeals to all types of HDFC customers. It's ideal for long-distance bookings.

• 5% cashback on IRCTC ticket bookings via SmartBuy makes it rewarding for planned trips and holiday travel.
  
  
• Valid for both debit and credit cards from HDFC, offers flexibility in how you choose to pay.
  
  
• Cashback capped at ₹150 per account per month allows for steady monthly savings.

Pro Tip: Schedule bookings during SmartBuy Festive Sales for added benefits and exclusive bonus rewards.

ICICI Amazon Pay Cashback

ICICI Bank's partnership with Amazon Pay has created a seamless experience for rail travellers. It brings e-commerce-level convenience to train ticket bookings. The 10% cashback is auto-applied, so no code is needed. This makes it a user-friendly offer for new and regular travellers. As bookings are made through the Amazon app, it's mobile-first. Cashback is reflected directly into your Amazon Pay balance.

• Get 10% cashback on train tickets via Amazon Pay, giving you significant returns on every trip booked.
  
  
• Valid once per user per month, a minimum ₹500 spend helps prioritize larger or family ticket purchases.
  
  
• Works on IRCTC bookings through the Amazon app simplifies the booking process using a familiar interface.

Pro Tip: Pay with Amazon UPI linked to ICICI for additional ₹25 cashback on top of existing offers.

Kotak Paytm Rail Discounts

Kotak Mahindra Bank cardholders can make the most of their weekends with this rail ticket cashback. Paytm is already a go-to app for mobile users, and this integration offers double the value. The offer is valid on both Friday and Sunday, encouraging weekend plans. Cashback is auto-credited, making the process seamless. It's perfect for working professionals and small families.

• 10% cashback on rail bookings every Friday–Sunday ensures weekend plans are cost-effective and stress-free.
  
  
• Max cashback ₹100, minimum spend ₹300, offers a generous return on relatively low spends.
  
  
• Valid only on Paytm with Kotak credit cards limits it to premium users with high-value rewards.

Pro Tip: Stack this with Paytm Wallet cashback coupons for dual savings on every booking.

Axis Bank – ₹50 Flat Off via PhonePe

Axis Bank collaborates with PhonePe to bring a simple, flat discount offer. It’s designed for users who prefer instant value over complex cashback structures. No need to worry about thresholds or percentages. As long as you're within the early redemption cap, the savings are guaranteed. This is great for students or budget travellers. It works on small ticket sizes.

• Flat ₹50 off per booking on IRCTC via PhonePe reduces costs immediately at checkout.
  
  
• No minimum booking value needed means even the cheapest ticket is eligible for savings.
  
  
• The first 10,000 users per month are eligible, so early booking is crucial to avail the offer.

Pro Tip: Combine with PhonePe scratch cards for extra digital wallet rewards post-purchase.

Bank of Baroda – IRCTC + Amazon Combo

Bank of Baroda users benefit when they book IRCTC tickets using Amazon Pay. This offer makes use of both credit card benefits and the Amazon ecosystem. Cashback is seamless and is reflected in your Amazon account. The discount applies without the need for a coupon code. It’s especially useful during sales events on Amazon. Families and frequent travellers benefit most.

• 5% cashback when paying via the Amazon Pay IRCTC portal simplifies the user experience.
  
  
• Maximum savings capped at ₹75 per transaction ensure moderate savings across multiple bookings.
  
  
• Valid only on BOB Credit Cards linked to Amazon, and limits access to premium BOB customers.

Pro Tip: Look for Amazon Pay Days (1st–5th monthly) for bonus discounts stacked on this offer.

IDFC FIRST – Railway Lounge Perk

IDFC FIRST Bank provides a unique benefit beyond ticket savings. Frequent travellers can enjoy a lounge visit before their journey. This comfort-based offer makes rail travel more premium. It applies automatically to eligible bookings. No separate registration is required. Perfect for professionals and luxury-class passengers. Ideal for Rajdhani and Duronto routes.

• Book IRCTC tickets with IDFC FIRST credit cards to unlock lounge access.
  
  
• Avail 1 complimentary railway lounge access adds convenience and luxury to your travel.
  
  
• No minimum booking required makes this suitable for all types of rail journeys.

Pro Tip: Check lounge availability at Delhi, Mumbai, and Bangalore stations to plan your trip effectively.

IndusInd Cards – Festival Rail Offers

IndusInd Bank provides seasonal discounts timed with Indian festivals like Diwali and Holi. The offer is applicable on IRCTC as well as travel aggregators. Users enjoy a higher cashback rate during limited-time windows. It benefits festive shoppers and family travellers. Payments must be made via eligible cards. Offers vary depending on holiday campaigns.

• 7% discount on IRCTC during Holi & Diwali booking periods gives value during peak travel times.
  
  
• Maximum discount of ₹125 per user helps on bulk or round-trip bookings for families.
  
  
• Valid via partnered platforms like EaseMyTrip adds versatility beyond IRCTC's site.

Pro Tip: Activate SavePlus alerts to grab short-window IndusInd bank coupons.

Federal Bank – Rail Bonus Cashback

Federal Bank offers competitive entry-level benefits for online train bookings. Their monthly cashback program rewards regular usage. This is perfect for office-goers and students commuting intercity. The cashback is credited quickly compared to others. It's valid on both mobile and desktop IRCTC access. Ensure payment is made with Federal Bank cards.

• 10% cashback on the first rail booking of the month encourages early and regular travel planning.
  
  
• The offer applicable to credit and debit users widens access for Federal account holders.
  
  
• Cashback credited within 10 days offers quicker benefits compared to other banks.

Pro Tip: Book close to the 1st of the month to secure the limited cashback quota.

ICICI Coral Card – Weekend Saver

The ICICI Coral Credit Card brings an exclusive benefit for weekend travellers. Whether visiting family or planning a short trip, this offer reduces your Saturday or Sunday travel budget. It applies to IRCTC bookings through selected apps. With easy eligibility, Coral cardholders enjoy quick cashback. It's great for couples and solo adventurers.

• ₹100 cashback on bookings between Friday–Sunday enhances weekend savings for Coral card users.
  
  
• Valid for Coral-tier ICICI credit card holders only creates exclusivity for loyal customers.
  
  
• Minimum booking of ₹400 enables eligibility for mid-range train fares.

Pro Tip: Try combining Coral benefits with Amazon or Paytm for double cashback possibilities.

Canara Bank – IRCTC Rail App Offer

Canara Bank users get extra savings when booking through the IRCTC Rail Connect mobile app. The offer is best suited for travellers who prefer mobile-based transactions. The discount is given as cashback to your account. It’s valid on both UPI and internet banking payments. Booking is smooth and fast via the app.

• 5% cashback on bookings via IRCTC Rail Connect makes mobile booking more rewarding.
  
  
• Valid only on Canara Bank internet banking or UPI, it creates a focus on digital transactions.
  
  
• The monthly limit of ₹100 cashback per user makes it ideal for frequent planners.

Pro Tip: Enable IRCTC app push notifications for flash deals with Canara-linked accounts.

Yes Bank Cashback via Goibibo

Yes Bank customers can access train ticket discounts through Goibibo. The platform runs exclusive tie-ups with Yes Bank during travel campaigns. The offer supports both cards and wallets. Cashback is credited to the Goibibo wallet. You can reuse it for future bookings. Ideal for those booking hotels + trains.

• 8% cashback on Goibibo train tickets extends savings to multi-service users.
  
  
• Max ₹150 cashback per booking adds considerable value to longer or premium journeys.
  
  
• Valid on both credit and debit cards ensures inclusivity for all Yes Bank users.

Pro Tip: Redeem Goibibo wallet cashback quickly, as it comes with limited validity.

UCO Bank – IRCTC Special Fare Discounts

UCO Bank offers seasonal discounts around national holidays. These apply to IRCTC online bookings paid through UCO net banking. It's especially effective during August and January patriotic travel weeks. Savings are flat and simple. Availability is limited by day and time. It's best for disciplined planners.

• 7% off on bookings around 15 August and 26 January provides national holiday perks.
  
  
• Valid on UCO net banking payments only ensures secure transactions and exclusive access.
  
  
• Limited redemptions per day create urgency for early morning bookings.

Pro Tip: Use IRCTC's "Next 6 Days" calendar to pre-select travel dates for discounts.

PNB Cards – Wallet-Linked Rail Deals

Punjab National Bank ties in with Paytm and other digital wallets for ticket offers. UPI-linked transactions receive cashback or a discount. This is ideal for new-age digital bankers and college-goers. Booking value requirements are low. Cashback is automatically credited to your wallet or account. Monthly caps apply.

• 6% cashback via Paytm Rail if linked to PNB UPI makes it budget-friendly and seamless.
  
  
• Valid on bookings above ₹250 makes this accessible for most short-distance train fares.
  
  
• Daily cap on cashback: ₹75 keeps returns consistent for everyday users.

Pro Tip: Monitor your Paytm passbook weekly to ensure cashback is credited without delay.

AU Small Finance Bank – App-Based Cashback

AU Bank focuses on app-driven engagement, rewarding IRCTC bookings made through mobile platforms. This suits users looking for speed and simplicity. Cashback is credited directly into the AU app. It applies to both first-time and returning users. Useful for smaller city customers using AU's growing services.

• ₹75 cashback on train bookings via IRCTC boosts savings for users preferring app ecosystems.
  
  
• Valid for AU 0101 mobile app users, drives mobile-first engagement with streamlined support.
  
  
• Offer applies to credit cards only, encouraging premium adoption of AU services.

Pro Tip: First-time IRCTC bookers get double cashback during their welcome month if using the AU 0101 app.

Conclusion

Booking train tickets with your bank card is no longer just about convenience—it’s about maximizing value. With these 15 bank offers tailored for Indian travellers, you can unlock cashback, enjoy flat discounts, and even access railway lounges. Make your next IRCTC booking with confidence, armed with these money-saving hacks from SavePlus India.

FAQ

Which bank gives the highest cashback on IRCTC tickets?
ICICI via Amazon Pay and SBI through YONO typically offer the best value up to 10% cashback.

Can I combine IRCTC loyalty points with bank offers?
Yes, most IRCTC bookings allow stacking of loyalty points and applicable bank deals.

Are bank offers valid on Tatkal or Premium tickets?
Some offers exclude Tatkal and premium trains, so it’s best to check the fine print before booking.

Is UPI eligible for bank-specific discounts on IRCTC?
Yes, UPI is often eligible, especially through apps like PhonePe, Paytm, and Amazon Pay.

How do I track my cashback or discount benefit?
Check your bank’s statement or associated wallet (e.g., Amazon Pay, Paytm) for credited rewards.