How to book ticket in IRCTC using MASTER/VISA card with low transaction rates.

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When you book ticket in IRCTC, the transaction charges will be Ticket amount + IRCTC charges + Bank charges but Bank charges will not be printed on ticket, but it will get deducted from your account (it is known to most of the people who use to book through IRCTC).

Bank charge varies, i.e some bank may charge 10Rs + service tax, some Bank doesn't charge. some bank charges depending on payment gateways..

This post is very useful if the booking ticket amount is less then 700Rs.

When you make transaction using net banking or Through debit card, usually your bank charges 10rs + service tax, but now using this technique you can pay very less amount i.e as low as 1.65% of ticket amount.

if your bank is not listed in the IRCTC section, then don't worry. use the below method to make smooth transaction.. (This step applies only to MASTER/VISA card holders only.. MAESTRO cards are not accepted)

Before proceeding How to pay, will see the various bank IRCTC ticket booking transaction charges.

Payment by Credit Cards
AXIS PG	For all Master / Visa Credit Cards (Not International Credit Cards) /Debit cards (If enabled by card Issuer). Transaction charges of 1.65%.
ICICI PG	For all MASTER / VISA Credit Cards (Not International Credit Cards) / Debit cards (If enabled by card Issuer). Transaction Charge 1.8%
HDFC PG	For all MASTER / VISA Credit Cards (Not International Credit Cards) / Debit cards (If enabled by card Issuer). Transaction Charge 1.8%
CITI PG	For all MASTER / VISA / DINERS CLUB CREDIT CARDS / VISA Debit cards (If enabled by card Issuer).Transaction Charges 1.8%
American express	For all credit cards issued by American Express. Transaction Charges 1.8%
Payment through Credit Cards EMI Option
ICICI BANK EMI	Pay in 3 installments with your ICICI Bank Credit Cards. Transaction charges 3.95%.
CITI Bank EMI	Pay in 3 installments with your Citibank/Diners Club Credit Cards. Transaction charges 2.8%.
Payment through ATM cum Debit Card
CITI Bank	Transaction charges of Rs.10/- or 1.8% whichever is higher + applicable S.Tax
Punjab National Bank	Transaction charges of Rs.10/- per transaction
Indian Bank	Transaction Charges of Rs.10/- per transaction
SBI ATM-cum-Debit Card	Transaction charges of Rs.10/- per transaction
Andhra Bank	Transaction charges of Rs.10/- per transaction
Canara Bank	Transaction Charges of Rs.10/- per transaction
Bank of India	Transaction charges of Rs.10/- per transaction
Payment through Net Banking facility
HDFC Bank	Transaction Charges of Rs.10/- + service tax and education cess as applicable
ICICI BANK	Transaction Charges of Rs.10/-+Service Tax as applicable
AXIS Bank	Transaction Charges of Rs.10/- + taxes per transaction
The Royal Bank of Scotland N.V.	Transaction Charges of Rs.10/-+Service Tax as applicable
IDBI Bank	Transaction charges of Rs.10/- per transaction
Indian Bank	Transaction Charges of Rs.10/- per transaction
State Bank of India	Transaction charges of Rs.10/- per transaction
PNB-Net Banking	Transaction Charges NIL
Federal Bank	Transaction Charges NIL
Syndicate Bank	Transaction charges of Rs.10/- per transaction
Indusind Bank	Transaction Charges NIL
Karnataka Bank	Transaction charges of Rs.10/- per transaction
Corporation Bank	Transaction charges of Rs.12/- per transaction
Bank of India	Transaction charges of Rs.10/- per transaction
Rajasthan Bank	Transaction Charges Rs.15/- per transaction
SBI Associates	Transaction Charges Rs.10/- per Transaction
Oriental bank of commerce	Transaction charges of Rs.10/- At selected branches of OBC
Union Bank Of India	Transaction charges of Rs.10/- per transaction
Bank of Baroda	Transaction Charge NIL
Payment through Cash Cards
ITZ Cash Card	Transaction charges 1.5%
Done Cash Card	Click Here for Transaction Charges
I Cash Card	Transaction charges 1.8% or Rs.7.5/- which ever is lower
OxiCash	Transaction charges 1.8%

If you have Master/Visa debit/credit card. easily you can book through axis Payment gateway. as i highlighted in the yellow color, it clearly says. it will charge 1.65% of total ticket charge. if you are booking charges are 200Rs then 5 Rs will be charged..

if you are doing bulk booking of 4 people whose total amount exceeds 700Rs then pay using the debit card through bank/use net banking standard charges are applicable.

Steps to pay through AXIS Payment gateway:
1)Log in to IRCTC
2)Go to payment section.
3)Click on Axis Payment Gateway
4)Enter your card details
5)Click on Buy
6)Then it will redirect you to your bank site, enter Master/visa card password
7)Finish  it :)...
8)Initially (Ticket + IRCTC charges) gets deducted.
9)After 3 to 4 days later PG charge gets deducted.

{This method works for most of the banks like CANARA,HSBC,RBS,ICICI,CITI,SYNDICATE,HSBC etc..}

facing problem drop comment, will try to help you.