IRCTC RuPay BOBCARD Credit Card

Joining Fee: Rs. 500 + GST
Renewal Fee: Rs. 350 + GST
Best Suited For: Travel
Reward Type: Reward Points
Welcome Benefites: 500 Bonus Reward Points on Spending ₹5,000 Within the First 60 Days of Card Issuance

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The IRCTC RuPay BOBCARD Credit Card is a co-branded offering from Bank of Baroda and the Indian Railway Catering and Tourism Corporation (IRCTC), designed to enhance the travel experience for frequent train travelers. Cardholders can earn up to 40 reward points per ₹100 spent on train bookings through the IRCTC website or mobile app, with 1 reward point equating to ₹0.25 when redeemed for ticket bookings. Additional benefits include four complimentary railway lounge accesses annually (one per quarter), a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (capped at ₹100 per statement), and a 1% transaction charge waiver on railway ticket bookings via the IRCTC platform. The card carries a joining fee of ₹500 and an annual fee of ₹350. New cardholders receive 1,000 bonus reward points upon making a single transaction of ₹1,000 or more within 45 days of card issuance.

New Features

Spend Based Waiver

Interest Rates

Add-on Card Fee

Rewards Redemption Fee

Fuel Surcharge

Get a fuel surcharge waiver of 1% on all fuel transactions between Rs. 500 to Rs. 3,000 at fuel pumps all over India

Foreign Currency Markup

Cash Advance Charges

Movie & Dining

Travel

You are entitled to 4 Complimentary domestic railway lounge access per year, subject to a maximum of 1 per quarter. On booking a railway ticket through the IRCTC Website or Mobile Application using the IRCTC RuPay BOBCARD Credit Card, you are entitled to a transaction surcharge waiver of 1% on all transactions.

International Lounge Access

Rewards Rate

4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC

Golf

Insurance Benefits

Reward Redemption

The earned RP can be redeemed for ticket bookings via IRCTC website or mobile application. Also can be redeemed against card’s statement balance where 1 RP = Rs. 0.25

Domestic Lounge Access

Zero Liability Protection

Pros

No data available

Cons

No data available

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