Bank Charges by IRCTC Following are the details about various Bank charges by IRCTC (Bank Transaction Charges by IRCTC) of various banks and details including MDR (Merchant Discount Rate) etc. Net Banking -: Various Bank Charges by IRCTC for different bank while booking ticket are following. Payment Gateway (PG) /Credit /Debit Cards https://twitter.com/IRCTCofficial/status/1199606308686532609 Debit Card with PIN Wallets/ Cash Cards IRCTC Prepaid IRCTC Union Bank prepaid (RuPay) - Rs.10/- + Applicable Taxes IRCTC eWallet IRCTC eWallet - IRCTC eWallet service charge Rs.10 /- EMI CITI Bank - Pay in 3 EMI with Citibank Card, Transaction charges 2.8% Multiple Payment Service (Credit and Debit Cards/ Net banking /Wallets / International Cards) Bharat QR / Scan and Pay AXIS PG (mVisa / Scan & Pay) -Rs. 10/- per transaction + Applicable Taxes Atom - Bharat QR - 1.75 % + Applicable Taxes Pay On Delivery / Paylater Pay-On-Delivery (Powered by Anduril Technologies) - Rs. 90 + Applicable Taxes for TXN Amt upto Rs. 5000/- and Rs. 120 + Applicable Taxes for above ePaylater (Powered by Arthashastra Fintech Pvt. Ltd.) - 3.50% + Applicable Taxes BHIM / UPI / USSD Pay using BHIM (Powered by AXIS BANK) also accepts UPI - Transaction Charges NIL Wallets( Mobile App ) Multiple Payment Service( Mobile App ) Cash on Delivery (COD)( Mobile App ) Pay-On-Delivery (Powered by Anduril Technologies) - Txn Chgs: Rs.90 for Amt upto Rs.5000 and Rs.120 for Amt above Rs.5000 + GST as applicable Merchant Discount Rate :- Customer Friendly Initiatives Extended to the Public by Indian Railways. Passengers not to be Charged Merchant Discount Rate (MDR) for Booking of Railway Tickets, Railway announced through a press release on 01.03.2018. Facility of Printing Ticket Details in Local Language on Unreserved Tickets Issued Through Unreserved Ticketing System (UTS). Merchant Discount Rate (MDR) charges will not be levied on passengers for booking railway tickets (at the railway ticketing counters as well as through IRCTC ticketing website) on payment made through Debit Cards for a transaction value upto Rupees one lakh. Instructions to this effect has been issued to the Banks by Department of Financial Services, Ministry of Finance on 26th February 2018. This will further help in promoting digital and cashless transactions. Ministry of Railways had informed Department of Expenditure that all proceeds from sale of tickets through IRCTC website/counters go to Consolidated Fund of India through Ministry of Railways and such transactions should be considered as Government receipts. The benefits on Government transactions must be passed on to the public, and they should not face MDR charges while making payments to Government. Also, Indian Railways has initiated the facility of printing ticket details in local language on unreserved tickets issued through Unreserved Ticketing System (UTS) with first such language being Kannada. The facility was under testing at Mysuru, Bengaluru and Hubballi stations of South Western Railway with tickets being issued at these stations form one counter as trial since 01.03.2018. It will be extended to all other stations of Karnataka from 02.03.2018.