iMudra by IRCTC - Wallet, Card

8.44K reviews
Content rating
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About this app

iMudra is a Truly Made In India payments app. Download IRCTC iMudra App to get your first digital & physical card linked to your iMudra digital wallet. Use your iMudra Card to make payments at your favourite online and offline stores & get cashback upto Rs.2000. Also experience a seamless ticket booking experience with IRCTC.

Top-up your iMudra wallet using debit/credit card, UPI & create your first digital card (powered by VISA) which works just like a debit card. Use your digital card to make online transactions in all online stores. iMudra also offers physical card for your offline & online purchases (powered by VISA & RuPay).

Join lakhs of Indians who are using IRCTC iMudra for all their payment needs & experience a seamless ticket booking experience. Get latest offers & earn cashback as you pay. Just signup with few basic details & get started.

What you can do with the iMudra App:

- Create your first digital card (powered by VISA) & link it with your wallet. Top up your wallet & pay using digital card at your favorite shopping, food delivery, travel, entertainment, gaming app/sites & other 100+ apps.

- Order your physical card (powered by VISA & RuPay) which is linked with your wallet. Top up your wallet & pay using physical card at your favorite offline stores anytime, anywhere! No internet, no problem!

- Experience a seamless ticket booking experience at IRCTC. Skip the queue by not waiting for OTP confirmation while booking your ticket. All you need is your IRCTC account & iMudra can handle the rest with support for tatkal bookings & instant payments.

- You can instantly transfer money to any mobile number with an active iMudra wallet and receive money from your contacts anytime, anywhere! It is much better than internet banking.

- Get rewarded by cashback of upto Rs.2000 into your wallet as you pay. The more you pay, the more you get rewarded

- Seamless Aadhaar based KYC process to experience all the benefits of iMudra

iMudra App is safe & secure with data kept in India, unlike other payments app

India’s first digital wallet with a card. For more details visit our website:
Updated on
May 28, 2021

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App info and performance
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

8.41K reviews
A Google user
October 2, 2019
Very bad app performance. i add Rs.12000/- more, after adding money app suddenly show your session is expired. After that when i trying to login through password or OTP everytime an error message show you are entering wrong password or OTP. Though OTP is send by IRCTC. I mailed many times with error screenshot to IRCTC care they lodged complain, but problem not solve yet. They said solve as soon as possible. This type of problematic app i never seen before. Where is my money?? Please not use.
167 people found this review helpful
Byomkesh Dash
January 26, 2021
Avoid at all costs. My account blocked for no reason.Even after so many Chats and Email with documents and communications from registered mobile and email no result. I still do not know the problem. This all happened after I reloaded my wallet using credit card. But I dot not know actual reason for blocking my account. My money get locked with them. I do not know, if I can get this back. If they sent it back to source also its ok.
44 people found this review helpful
Uday Kiran
May 14, 2021
Don't even download this app guys. It's waste of time. Creating Account is free but rs.59 for creating a virtual card. Plus while loading wallet balance there will taxes( Free for UPI or rupay card reloads). The wallet balance reload is also buggy. Our money will be stuck with them. I wasted my time downloading and writing a review for this fraud app. But this app interface is awesome. Great work developers. idea to charge for a virtual card is pretty bad idea. May be you guys should reconsider.
23 people found this review helpful
IRCTC Official
May 16, 2021
We highly regret the inconvenience. However, we could not understand the exact problem. Please shoot us a message at with relevant details. We'll be more than happy to assist you. Thanks.

What's new

◦ Bug fixes and performance improvements