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Reg: Cashback by RBL EDC and Signature DC

Instead Pay on IRCTC Web using Pay Balance with Same charges , which are getting applied on IRCTC GV.
Yes. That can be done. As Apay is almost universally acceptable, it has always been my 1st choice.
I also think that the balance points which are not redeemable as Apay vouchers from RBL new portal may be utilized as IRCTC vouchers to get better rewards if there is an use case than the remaining available good options like BPCL, Croma, SmartPoint, JioStore etc.
 
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