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Now you can pay for train tickets in EMI on IRCTC

Indian Railways has tied-up with Citibank to offer EMI facility for e-ticket bookings on Indian Railway Catering and Tourism Corporation’s (IRCTC) portal, reports The Times of India. Users can now opt for EMI as a payment option, besides credit/debit card and net banking payment options. The payment needs to done using a Citibank credit card, wherein the entire amount is deducted from the card and users pay the bank in monthly installments. Given that, at 2.4 million, Citibank has only 12.3% of India's credit card base of 19.47 million, why hasn't the IRCTC tied up with other banks for offer EMI? At the very least, it needs to tie-up with more banks, especially HDFC, ICICI and the State Bank of India – the three largest issuers of credit cards in the country, which account for 58.9% of India's credit card base . CoD…

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