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IRCTC BOBCARD Credit Card

Bank of Baroda |
Co-Branded Railway Rewards RuPay Travel

Annual Fee

₹350

Rewards/₹100 ⓘ

₹0.50 - ₹7.50

Normalized to balance base rate with bonus categories

Interest Rate

45.00%

Credit Score

700+

At a Glance

Key Benefits

Up to 40 points per Rs.100 on IRCTC bookings, 4 railway lounge visits/year, 1% IRCTC fee waiver, fuel surcharge waiver

Lounge Access

4 complimentary railway lounge visits per year (1 per quarter) at partner railway lounges

Eligibility

Age 21-65, Min income Rs.3.6L (salaried) / Rs.4.8L (self-employed), CIBIL 700+, Resident Indians

Quick Details

Annual Fee
₹350 #71
Joining Fee
₹500 #112
Interest Rate
45.00% p.a. #244
Forex Markup
3.50% #75
Rewards/₹100
₹0.50 - ₹7.50 #14
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network RUPAY
Card Replacement Fee 100
Late Payment Fee ₹100
Cash Advance Fee ₹300 2.50% (min ₹300)
Card Replacement Fee ₹100
Over Limit Fee ₹600 2.50% (min ₹600)

Reward Structure

Accel

IRCTC Train Bookings (Peak: Jan 15-Mar 31, Jul 15-Sep 15)

₹10.00 /₹100
Accel

IRCTC Train Bookings (Off-Peak: Apr 1-Jul 14, Sep 16-Jan 14)

₹4.00 /₹100
Cat

Flight Bookings via BOBCARD SmartDeal

₹2.00 /₹100
Cat

Hotel Bookings via BOBCARD SmartDeal

₹5.00 /₹100
Cat

Grocery & Departmental Stores

₹1.00 /₹100
Base

All Other Categories

₹0.50 /₹100
Partner

Fuel Transactions

₹0.00 /₹100

Reward Calculator

₹
Allocate by Category100%
IRCTC Train Bookings (Peak: Jan 15-Mar 31, Jul 15-Sep 15)
40.0 pts
25%₹12,500
IRCTC Train Bookings (Off-Peak: Apr 1-Jul 14, Sep 16-Jan 14)
16.0 pts
20%₹10,000
Flight Bookings via BOBCARD SmartDeal
8.0 pts
18%₹9,000
Hotel Bookings via BOBCARD SmartDeal
20.0 pts
15%₹7,500
Grocery & Departmental Stores
4.0 pts
10%₹5,000
Fuel Transactions
0.0 pts
7%₹3,500
Other Spends
2.0 pts
5%₹2,500
Your Rewards
Points Earned8,910
Cash Value₹2,228
Breakdown
IRCTC Train Bookings (Peak: Jan 15-Mar 31, Jul 15-Sep 15)5,000
IRCTC Train Bookings (Off-Peak: Apr 1-Jul 14, Sep 16-Jan 14)1,600
Flight Bookings via BOBCARD SmartDeal720
Hotel Bookings via BOBCARD SmartDeal1,500
Grocery & Departmental Stores40
Fuel Transactions0
Other Spends50
Total Value₹2,228
Quick amounts:

Milestone Benefits

Welcome Bonus

500 joining bonus reward points (worth Rs.125) on spending Rs.5,000 or more within 60 days of card issuance

Spend ₹5,000 within 60 days

₹125

value

Welcome Bonus

1,000 bonus reward points on single transaction of Rs.1,000 or more within 45 days of card issuance

Spend ₹1,000 within 45 days

₹250

value

Welcome Bonus

Extra 1,000 bonus reward points with complimentary Access.IRCTC membership

₹250

value

Airport Lounge Access

Other Free
4

visits per year

4 complimentary railway lounge visits per year (maximum 1 per quarter) at partner railway lounges across India. Primary cardholder only.

Insurance Coverage

Lost Card

₹0

Zero liability protection for fraudulent transactions after reporting card loss to the bank

Purchase Protection

₹0

Protection against card counterfeiting, skimming, and unauthorized online transactions

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver on transactions between Rs.500-Rs.3,000 at fuel pumps across India (max Rs.100 per statement cycle)

Travel

1% IRCTC transaction surcharge waiver on all railway ticket bookings via IRCTC website or mobile app

Emi

Smart EMI conversion available on purchases exceeding Rs.2,500 for 6 to 48 months tenure

Contactless

UPI-enabled RuPay credit card - link to any UPI app for contactless payments

Cashback

1

Redeem reward points as cashback at 1 RP = Rs.0.25 or convert to IRCTC Travel Points at 4 RP = 1 Travel Point

Quick Analysis

IRCTC BOBCARD is an excellent co-branded card for frequent railway travelers, offering up to 10% value back during peak booking seasons and dedicated railway lounge access. Best suited for travelers who regularly book AC class train tickets on IRCTC and can maximize seasonal rewards.

Pros

  • Up to 40 reward points per Rs.100 on peak season IRCTC bookings
  • 16 points per Rs.100 on off-peak train bookings (1AC-EC class)
  • Up to 10% value back on railway tickets during peak periods
  • 4 complimentary railway lounge visits per year (1 per quarter)
  • 1% IRCTC transaction surcharge waiver on all bookings
  • 1% fuel surcharge waiver (max Rs.100 per statement)
  • 500 welcome bonus points on Rs.5K spend in 60 days
  • Low annual fee of Rs.350 (Rs.500 joining fee)
  • 4 points per Rs.100 on grocery & departmental stores
  • Redeem points as IRCTC travel points or cashback
  • UPI-enabled RuPay credit card
  • Up to 3 lifetime free add-on cards
  • Zero liability on fraudulent transactions
  • EMI conversion on purchases above Rs.2,500

Cons

  • Low point value at Rs.0.25 per reward point
  • High 3.5% forex markup fee for international transactions
  • High 45% p.a. interest rate (3.75% per month)
  • No air accident or travel insurance coverage
  • No international lounge access
  • Limited to railway lounge access only
  • Grocery rewards capped at 1,000 points monthly
  • Peak season rewards limited to specific date ranges
  • Lower rewards (2 points) on general spends
  • No rewards on fuel transactions
  • Railway lounge access limited to select stations
  • Requires Rs.5K minimum spend for welcome bonus
  • Peak rewards only on premium train classes (1AC-EC)

Best For

Frequent train travelers, IRCTC bookers, railway commuters

Not Ideal For

International travelers, non-train users, forex spenders

Frequently Asked Questions

What are the fees for IRCTC BOBCARD Credit Card?
The joining fee is Rs.500 + GST (one-time) and the annual fee is Rs.350 + GST (charged every anniversary year). There is no annual fee waiver benefit based on annual spending.
How many reward points do I earn on IRCTC bookings?
You earn 40 reward points per Rs.100 spent on IRCTC train bookings during peak seasons (Jan 15-Mar 31 and Jul 15-Sep 15). During off-peak periods (Apr 1-Jul 14 and Sep 16-Jan 14), you earn 16 reward points per Rs.100. These rewards apply to 1AC, 2AC, 3AC, CC, or EC class bookings.
What is the value of reward points?
Each reward point is worth Rs.0.25 when redeemed as cashback (4 points = Rs.1). Alternatively, you can convert reward points to IRCTC Travel Points at the rate of 4 Reward Points = 1 IRCTC Travel Point for booking railway tickets.
What rewards do I earn on non-train spends?
You earn 4 reward points per Rs.100 on grocery and departmental store purchases (capped at 1,000 points per month). On all other categories, you earn 2 reward points per Rs.100. Additionally, 8 points per Rs.100 on flights and 20 points per Rs.100 on hotels booked via BOBCARD SmartDeal.
What is the railway lounge access benefit?
IRCTC BOBCARD provides 4 complimentary railway lounge visits per year (maximum 1 per quarter) at partner railway lounges across India. This benefit is available only to the primary cardholder. Note: This is railway lounge access, not airport lounge access.
Is there an IRCTC transaction fee waiver?
Yes, you get a 1% transaction surcharge waiver on all railway ticket bookings made through the IRCTC website or mobile application. This helps save on booking fees.
What are the welcome bonus benefits?
New cardholders receive: (1) 500 joining bonus reward points on spending Rs.5,000 or more within 60 days, (2) 1,000 bonus reward points on a single transaction of Rs.1,000 or more within 45 days, and (3) an additional 1,000 bonus reward points with complimentary Access.IRCTC membership.
What is the fuel surcharge waiver?
Get 1% fuel surcharge waiver on all fuel transactions between Rs.500 to Rs.3,000 at fuel pumps across India. The waiver is capped at Rs.100 per statement cycle. No reward points are earned on fuel transactions.
What is the eligibility criteria?
Age: 21-65 years. Minimum annual income: Rs.3.6 lakh for salaried individuals and Rs.4.8 lakh for self-employed. CIBIL score: 700+. Must be a Resident Indian with valid income source. Add-on cards can be issued to family members above 18 years.
What documents are required to apply?
Required documents: PAN Card (mandatory), Identity proof (Aadhaar/Passport/Voter ID/Driving License), Address proof (utility bill/bank statement), Income proof (salary slips/ITR/Form 16 for salaried; ITR for self-employed), and recent passport-size photographs.
What is the interest rate on IRCTC BOBCARD?
The finance charge is 3.75% per month (45% per annum) on unpaid balances. You get up to 50 days interest-free credit period on retail purchases if you pay the full outstanding amount by the due date.
What is the forex markup charge?
The foreign currency markup fee is 3.5% + GST on all international transactions. This is relatively high, so the card is not ideal for frequent international spenders.
Can I use this card for UPI payments?
Yes, IRCTC BOBCARD is a RuPay credit card that is UPI-enabled. You can link your credit card to any UPI app and make payments at physical stores, fuel stations, and online merchants without carrying the physical card.
Is insurance coverage available?
The card provides zero liability protection for fraudulent transactions reported after card loss, and protection against card counterfeiting, skimming, and unauthorized online transactions. However, there is no air accident or comprehensive travel insurance coverage.
Are add-on cards available?
Yes, you can get up to 3 lifetime free add-on cards for family members above 18 years of age (spouse, parents, siblings, or children). Add-on cardholders can earn and accumulate reward points to the primary account.
What are the late payment charges?
Late payment fees range from Rs.100 to Rs.1,300 + GST depending on the outstanding balance: Rs.100 (for dues Rs.100-500), Rs.400 (Rs.501-5,000), Rs.750 (Rs.5,001-10,000), Rs.1,000 (Rs.10,001-25,000), Rs.1,200 (Rs.25,001-50,000), and Rs.1,300 (above Rs.50,000).
What is the cash advance fee?
Cash withdrawal charges are 2.5% of the withdrawn amount or Rs.300, whichever is higher. Additionally, finance charges of 3.75% per month apply on cash advances from the transaction date (no interest-free period).
Can I convert purchases to EMI?
Yes, you can convert purchases exceeding Rs.2,500 into Smart EMIs for tenures ranging from 6 to 48 months at competitive interest rates. This helps manage large expenses by spreading payments over time.
Do I earn rewards on fuel transactions?
No, reward points are not earned on fuel transactions. However, you benefit from a 1% fuel surcharge waiver (max Rs.100 per month) on transactions between Rs.500-Rs.3,000.
What is the maximum value I can get on IRCTC bookings?
During peak seasons (Jan 15-Mar 31, Jul 15-Sep 15), you earn 40 points per Rs.100, which translates to Rs.10 value (10% value back). During off-peak periods, 16 points per Rs.100 equals Rs.4 value (4% value back). This makes it excellent for seasonal train travelers.

User Reviews

Our Rating

4.0
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on Bank of Baroda's website

Rating Breakdown

Rewards
4.6/5 Top 10%
Benefits
3.7/5 Top 16%
Fees
3.8/5 Top 24%
Value for Money
4.0/5 Top 15%
User Reviews
3.0/5 Top 50%

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