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Best for: Frequent train travelers, IRCTC bookers, railway commuters
IRCTC BOBCARD Credit Card
APPLY NOW
on Bank of Baroda's website
Annual fee
₹350
#71Rewards rate
₹0.50 - ₹7.50/₹100
#14Joining fee
₹500
#112Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Co-Branded, Railway, Rewards, RuPay, Travel
CardNitty's take
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)