#irctc imudra physical card charges

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Choose IRCTC iMudra Card for Irresistible Offers

India is going digital. It's time to be an active participant in the cashless world! Using a digital wallet to transact and transfer money is not only convenient and secure but also rewarding.  Undoubtedly one of the best inventions of the 21st century is mobile wallets which are a convenient alternative to traditional banking systems. To serve users, many different companies have entered the big market of digital wallets. During the ongoing coronavirus lockdown, the digital wallets user has elevated than before. So, a user should be aware of the companies which are genuine and provide secure service. One such authentic company is IRCTC, the official catering and tourism partner of Indian Railways. IRCTC has launched its official e-wallet known as iMudra. It opens a new world of possibilities for users and empowers them to go truly cashless. IRCTC imudra digital wallet comes with virtual and physical cards used as per your convenience. Let’s have a look at what iMudra has to offer to users and how it is different from other e-wallets.

Salient Features of IRCTC iMudra Prepaid Card:

The IRCTC iMudra wallet is designed to work flawlessly on all your devices. The app works on all the mobile platforms. Moreover, the app is also available for desktop users. However, the speed and efficient functionality on every platform is exceptional.

1. Comfortable and easy online or offline payment option The offers IRCTC iMudra card benefit for a physical and digital card. You can now shop online, pay bills, order food on trains, recharge your number, book flights or hotels or movie tickets, the possibilities are endless. If you opt for a physical card for a minimal fee, then you get the facility to withdraw cash from any bank ATM.

2. Hassle-free Transactions Once you complete the mandatory KYC, the transaction of money using the IRCTC iMudra wallet becomes easy. iMudra will also help you in paying college fees away from logging to net banking and filling all the beneficiary details just to send some money. You can easily and conveniently send and receive money from IRCTC iMudra users anytime, anywhere.

3. Withdraw cash from any ATM IRCTC iMudra prepaid card allows you to withdraw money from your wallet from thousands of VISA enabled ATMs spread all across the country. So if you got some refund in your wallet, you can make use of IRCTC iMudra card benefits and easily get in cash through an ATM using the IRCTC iMudra prepaid card there. 

Note: You need to complete your KYC (Know Your Customer) before you can use the prepaid card to withdraw money.

4. Special deals and offers The IRCTC iMudra offers exclusive deals and offers from time to time. You can avail the benefits of those offers and save some money on online purchases. Just go to the offers section of the app and see which irctc imudra offers suits you the best.

5.  Easy OTP option Easy OTP is a 6-digit one-time password that lets you book train tickets much faster than conventional methods. All you need to generate OTP on your iMudra app and keep it ready for an IRCTC ticket booking. During the ticket booking process, choose the iMudra option under iPay to make your payment and enter the generated OTP in the app.

Benefits of IRCTC iMudra wallet

IRCTC iMudra gives users the following advantages to users:

1. Free and secure transactions. 2. Saves a lot of precious time during the ticket booking by eliminating the payment approval cycle. 3. No payment gateway charges per ticket. 4. Manage and top-up your account online. 5. Send money instantly from the e-wallet. 6. Less dependency on banks! Even if they have some server issues, you can easily book tickets using the iMudra wallet. 7. Easy refund for your canceled tickets

IRCTC iMudra Card Charges There are no charges for creating your wallet on IRCTC iMudra. But virtual or a physical card have some additional charges.

IRCTC iMudra physical card charges: For virtual card: ₹10 For physical card: ₹200 + GST (Comes down to ₹236 approx)

ATM transaction charges: The First 2 transactions in a month on Federal Bank ATMs are free. Any subsequent transaction will be charged at a flat rate of ₹23.6. Any transaction on a non-Federal Bank would be charged at a flat rate of ₹23.6.

Add money charges: IRCTC may charge some service fees on adding money to the wallet depending on the mode of payment.

Note:Use UPI to add money to your IRCTC iMudra wallet. You will not be charged any extra money.

Recommended Read: UMID Card: Indian Railways Unique Medical Identity Card Scheme

IRCTC iMudra Registration Process The IRCTC iMudra registration process is quite simple and convenient. You can easily create an account for the iMudra wallet either from the mobile app or from the official website.

The step-by-step registration process for IRCTC iMudra app is:

1. Go to the Play Store if you have an Android device or App Store if you use an iPhone. 2.Search and download the IRCTC iMudra app. 3. Open the app and click on “Create Account”. 4. Enter some details such as your mobile number, your email id (optional), create a strong password, and click on the “Create Account” option. 5. Verify the OTP that you received on your number. 6.Congrats! You have successfully created and registered on the IRCTC iMudra wallet.

You can also use these links to directly download the IRCTC iMudra app on your phone. Android, iOS

IRCTC iMudra Full KYC Process: You should know that without completing your full KYC of IRCTC iMudra, you are missing out on some important features and functionalities such as withdrawing cash from ATM, sending and receiving money, etc. So it is very important that you complete your IRCTC iMudra full KYC as soon as you open your wallet. Look at how you can complete IRCTC iMudra full KYC without going anywhere.

There are two ways you can complete IRCTC iMudra KYC: Online: Full KYC can be completed using your Aadhaar Number and the mobile number linked to your Aadhaar. This process is completely online and no need to submit any supporting documents.

Offline: Full KYC will be completed by an IRCTC iMudra agent, who will visit your place with a prior appointment. He/she will verify the hard copies of your supporting documents and update the KYC within 5 minutes.

If you are wondering about what documents are needed for IRCTC iMudra full KYC verification, then you should know that you need to submit a xerox copy of your Aadhar ID, your photograph, and your PAN card.

Benefits of IRCTC iMudra full KYC: There are many features and functionalities available only to the full KYC users.

1. The monthly wallet limit of minimum KYC users is only ₹10,000 while it is ₹1,00,000 for full KYC verified users.

2. Full KYC verifies users can withdraw cash from ATMs while minimum KYC users cannot.

3. Minimum KYC users don’t have the option to transfer money online whereas full KYC users can send and receive money from other IRCTC iMudra users anytime and anywhere.

4. Users get 12 months’ time to complete their full KYC after which their IRCTC iMudra wallet will become inactive.

IRCTC iMudra Refer and Earn program In order to enhance the popularity of the app and increase the marketability, IRCTC has launched the “iMudra Refer and Earn” program. You can earn up to ₹500 in this program. You will earn up to ₹50 scratch card per refer when your friend installs the application. You have to suggest the app to your friends and relatives and when they sign up using your link or using your referral ID, then you will get ₹50 in your wallet after they add a minimum of ₹100 in their wallet.

Frequently Asked Questions

1. What is the IRCTC iMudra prepaid card? IRCTC launched a digital iMudra card that helps users to easily submit the money, withdraw cash from the ATM, buy on-line or offline goods and services. You can use the iMudra prepaid card cum wallet on all Android mobile devices and desktop.

2.  Where can I use the IRCTC iMudra digital payment wallet? You can use the IRCTC iMudra wallet and prepaid card for counter transactions in stores that have visa-enabled machines. IRCTC iMudra wallet can also be used for online purchases and booking train tickets. Apart from that, you can also use IRCTC prepaid card for ATM transactions two of which are free in a month. 

3.  Is the IRCTC iMudra prepaid card free? No, the IRCTC iMudra prepaid card is not free of charge. You have to pay ₹200+GST for the physical card and there are no activation fees, Moreover, you have to pay ₹10 to get a virtual card for online shopping and other purposes.

4. Can the IRCTC iMudra wallet help me get Tatkal tickets quickly? Yes, definitely! If you want to get Tatkal tickets quickly, then you should use the iMudra waller by IRCTC. It offers the following advantages: Very low transaction failure rate. Amazingly fast transaction due to the elimination of the payment approval cycle. Quite helpful for Tatkal bookings. No payment gateway charges per ticket. Just a fixed charge of ₹10 irrespective of the transaction amount. Quick refunds.

5. Can I use the IRCTC iMudra wallet to make online purchases on websites outside India? No, you can use your iMudra prepaid card only to make purchases on Indian websites in Indian currency.