Bank of Baroda

BOB IRCTC Credit Card

BOB IRCTC, Credit Card

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Issued by

Bank of Baroda

BOB IRCTC Credit Card image
Joining Fee₹500
Annual Fee₹350
Income₹25000
Credit Score720

Key Highlights

Travel

Earn Up to 40 Reward Points per ₹100

on Train Tickets booked on the IRCTC website and app savings of up to 10% capped at 1,000 Reward Points per statement cycle

Earn Up to 40 Reward Points per ₹100

on Train Tickets booked on the IRCTC website and app savings of up to 10% capped at 1,000 Reward Points per statement cycle

Shopping

Earn 4 Reward Points per ₹100 at Departmental Stores

capped at 1,000 Reward Points per statement cycle, on top of 2 Reward Points per ₹100 on all other eligible categories

Travel

Enjoy 4 Complimentary Railway Lounge

Visits per quarter at IRCTC Executive Lounges with no quarterly spend condition

Enjoy 4 Complimentary Railway Lounge

Visits per quarter at IRCTC Executive Lounges with no quarterly spend condition

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3.6 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹500
Joining Fee OffsetAvail 500 joining bonus Reward Points on spends of ₹5,000 or more within 60 days of card issuance
Annual Fee₹350
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Reward Points are redeemed as cashback and adjusted against the card account
Earning ExclusionsFuel, Agriculture, Transportation, Rent, Civic Services, Legal, Government Services, Education, Hospital, Wallet Loads, Supermarket, Retail Stores, Insurance, Charity
Spend ExclusionsFuel, Agriculture, Transportation, Rent, Civic Services, Legal, Government Services, Education, Hospital, Wallet Loads, Supermarket, Retail Stores, Insurance, Charity

Benefits

All Benefits

  • Earn up to 40 Reward Points per ₹100 on train tickets booked on the IRCTC website and mobile app 40 Reward Points per ₹100 for travel dates 15 Jan – 31 Mar and 15 Jul – 15 Sep
  • 16 Reward Points per ₹100 for travel dates 1 Apr – 14 Jul and 16 Sep – 14 Jan, on 1AC/2AC/3AC/CC/EC bookings
  • up to 1% cashback on IRCTC transaction charges
  • 4 complimentary railway lounge visits per calendar year 1 per quarter

Welcome Benefits

  • Avail 500 joining bonus Reward Points on spends of ₹5,000 or more within 60 days of card issuance 

Flight Benefits

  • Earn 8 Reward Points per ₹100 an extra 4X over the base rate, Book flights through BOBCARD SmartDeal  

Railway Benefits

  • Earn up to 40 Reward Points per ₹100 on train ticket bookings made on the IRCTC website and mobile app
  • Also get up to 1% cashback on the IRCTC transaction charges

Railway Lounge Benefits

  • 4 complimentary railway lounge visits per calendar year 1 per quarter at participating IRCTC Executive Lounges 

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹3,000, capped at a maximum of ₹100 per statement cycle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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