Indian Railways offers the different payment options while booking the tickets online over the internet. I- ticket as well as E-ticket uses the option of making payments online and pop up window will appear on clicking the button “Make Payment” after the details of the ticket is being submitted at the IRCTC site. This window presents four different ways of making the payment including Credit cards, Credit cards EMI option, Direct Debit facility and Cash cards.
Payment by Credit Card and Debit Cards: Passenger seeking online railway reservation over the internet needs to select the bank for making payment. This method presents the option of ICICI PG, HDFC PG, CITI PG, AXIS PG and AMERICAN EXPRESS. This usage of card should be enabled by the card issuer for making payments online.
Payment by Credit Cards EMI Option: This payment method presents the option of making payments online via Credit Card EMI option. This facility converts the Credit card purchases to equated monthly installments. One can chose from ICICI Bank EMI and CITI Bank EMI.
Payment by Direct Debit Facility : This payment method presents the option to chose from large number of banks including ICICI Bank, AXIS Bank, Bank of Punjab, State Bank Of India, Syndicate Bank, Andhra Bank, Rajasthan Bank, Union Bank of India, HDFC Bank, ABN AMRO Bank, Centurion Bank, Punjab National Bank, Indusind Bank, Oriental Bank of Commerce, Indian Bank, Canara Bank, CITI Bank, IDBI Bank, SBI ATM cum Debit Card, Federal Bank, Karnataka Bank, Bank of India, SBI Associate Banks.
Payment by Cash Cards : This payment method allows the passengers seeking online reservation to make the payment via prepaid Cash Cards. It includes the ITZ Cash Card, Done Cash Card and I Cash Card. There is growing popularity of using the Cash Cards for making online payments in comparison to earlier days where only credit and debit cards were used. Share of cash card usage for booking tickets online has increased over the previous year.