IRCTC BOBCARD RuPay Credit Card benefits
- Travel40
points per ₹100 (10%) on IRCTC AC tickets in two travel seasons, 16 points (4%) at other times
- Rewards2
points per ₹100 on other spends, worth ₹0.25 each
- TravelUp to 1%
cashback on the IRCTC transaction charge
- Lounge4
railway lounge visits a year, 1 per quarter
Good to know
- ₹500 joining fee and ₹350 annual fee, with no spend waiver
IRCTC BOBCARD RuPay Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| IRCTC40 points per ₹100 (10%) on 1AC, 2AC, 3AC, CC and EC tickets on the IRCTC website or app, for travel from 15 January to 31 March and 15 July to 15 September. Only the primary cardholder's own fare counts. | 40 points per ₹100 | 1,000 |
| IRCTC16 points per ₹100 (4%) on the same AC and chair car classes for travel from 1 April to 14 July and 16 September to 14 January. BOBCARD's page shows a limit of 1,000 points (250 IRCTC travel points) a statement cycle, which we apply here. | 16 points per ₹100 | 1,000 |
| Everything else4 points per ₹100 at department stores (merchant category code 5311), up to 1,000 bonus points a statement cycle. | 4 points per ₹100 | 1,000 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel and the merchant categories BOBCARD lists in its reward terms. UPI spends earn only the 2 point base rate, never bonus points.
All reward rules
- BOBCARD values 1 reward point at ₹0.25 when redeemed as cashback in the statement. You can also move points to IRCTC at 4 BOBCARD points to 1 IRCTC travel point.
- To earn the IRCTC rate, link your IRCTC BOBCARD loyalty number with your IRCTC login. Points for a ticket come 5 days after the journey, if it is not cancelled.
- BOBCARD's page places the 1,000 point limit next to its reward text, and its reward terms tie the limit to department store spends. Check with BOBCARD how it applies to IRCTC tickets.
- Up to 1% cashback on the IRCTC transaction charge when the primary cardholder books on the IRCTC website or app.
- Welcome benefit: 500 bonus points on spends of ₹5,000 or more within 60 days of card issue.
- Railway lounges: 4 free visits a year, 1 per quarter, for the primary cardholder at listed IRCTC Executive Lounges. A ₹2 charge is taken to check the card. These are not airport lounges.
- Reward points expire 2 years after they are earned. Up to 3 free add-on cards.
What the IRCTC BOBCARD RuPay Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern, using IRCTC where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.5% | ₹180 |
| Dining and food delivery | ₹4,000 | 0.5% | ₹240 |
| Online shopping | ₹3,000 | 0.5% | ₹180 |
| Travel | ₹14,000 | 4% (limit hit) | ₹3,000 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.5% | ₹120 |
| Everything else | ₹3,000 | 0.5% | ₹180 |
| Total | ₹30,000 | ₹3,900 | |
| Renewal fee with GST | −₹413 | ||
| You keep | ₹3,487* |
IRCTC BOBCARD RuPay Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹350
- Foreign currency markup
- 3.5%
BOBCARD's Key Fact Statement lists a ₹500 joining fee and a ₹350 annual fee for the IRCTC card, with no spend-based waiver for either. Fees are before GST.
Fuel surcharge: 1% waiver on fuel transactions from ₹500 to ₹3,000, up to ₹100 per statement. GST on the surcharge is not reversed.
IRCTC BOBCARD RuPay Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹3,60,000 a year
- Self-employed income
- ₹4,80,000 a year
Indian residents. Salaried applicants 21 to 60 years, self-employed 24 to 65 years. Net yearly income of ₹3.6 lakh (salaried) or ₹4.8 lakh (self-employed); Bank of Baroda customers need ₹3 lakh or ₹3.6 lakh.
The bank alone decides approval and your credit limit.
IRCTC BOBCARD RuPay Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
No airport lounge access. The card gives 4 railway lounge visits a year instead.
Is the IRCTC BOBCARD RuPay Credit Card right for you?
A card with a ₹350 yearly fee, paying 4% at IRCTC and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹2,000 a month or more. Below that, the ₹350 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at IRCTC: the card pays 4% back there, against 0.5% on most other spends.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- Your rewards would not reach ₹413 a year: that is the renewal fee with GST, and spending does not waive it.
- You spend more than ₹6,300 a month at IRCTC: the higher rate stops there.
- You rarely use IRCTC: outside it the card pays 0.5%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IRCTC BOBCARD RuPay Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IRCTC BOBCARD RuPay Credit Card | ₹350 | 10% | ₹1,207* |
| BOBCARD TIARA Credit Card | ₹2,499 | 3.75% | ₹4,590* |
| MakeMyTrip ICICI Bank Credit Card | ₹999 | 6% | ₹3,600* |
If most of your spending looks like the example above, the BOBCARD TIARA Credit Card may suit you better: it would leave you ₹9,090 a year, against ₹3,487 with the IRCTC BOBCARD RuPay Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
How many reward points does the IRCTC BOB card give on train tickets?
You get 40 points per ₹100 for travel from 15 January to 31 March and 15 July to 15 September, and 16 points per ₹100 on other travel dates. This is for 1AC, 2AC, 3AC, CC and EC tickets booked on the IRCTC website or app, on the primary cardholder's own fare.
What is the IRCTC BOBCARD annual fee?
The joining fee is ₹500 and the annual fee is ₹350 every card year, both before GST. BOBCARD's fee statement shows no spend-based waiver for this card.
How do I use IRCTC BOBCARD reward points?
BOBCARD lets you redeem points as cashback in your statement at ₹0.25 a point. You can also convert them to IRCTC travel points, 4 BOBCARD points for 1 travel point, after linking your loyalty number with your IRCTC login.
Can I link the IRCTC BOBCARD to UPI?
Yes. It is a RuPay card, so you can add it to UPI apps and pay merchants. UPI spends earn only the base 2 points per ₹100, not the IRCTC or department store bonus.
What is the minimum salary for the IRCTC BOB credit card?
Salaried applicants need a net yearly income of ₹3.6 lakh and self-employed applicants ₹4.8 lakh. If you already bank with Bank of Baroda, the limits are ₹3 lakh and ₹3.6 lakh.