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IRCTC BoB

Product Details
Credit Card Name : 

IRCTC BoB

Bank Name :

Bank of Baroda

Type :

Lifestyle Credit Card

Interest Rate : 

3.49% per month

Eligibility :

Age Criteria: Primary Card Holder- 21 to 65 years old ; Add-on Cardholder- above 18 years old
Minimum annual income of INR 3.60 Lakhs for salaried individuals and minimum annual income of INR 4.80 Lakhs for self-employed individuals
Resident of India

IRCTC BoB
Pros
  • Welcome Benefit: Customers can earn 1000 bonus reward points on a single transaction of ₹1000 or more within 45 days of card issuance. 

  • Reward System: 40 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App. Earn 4 Reward Points for every ₹100 spent on Grocery & Departmental stores, and 2 Reward Points per ₹100 on other categories. 

  • Other Benefits: 4 complimentary railway lounge access facility is provided to the customers. 

Cons
  • Limited reward scope

  • Lower rewards on other categories

  • Reward point conversion rate

  • Limited international acceptance

Pros & Cons
Welcome Benefits
  • Earn 1000 bonus reward points on single transaction of ₹1000 or more within 45 days of card issuance

Rewards System
  • 2 Reward Points per INR 100 on other categories.(Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle) 

  • 4 BoB Reward Points = 1 IRCTC Travel Point 1 BoB Reward Point = INR 0.25 Effective cashback rate = 1.5%

  • 40 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App. (Cashback Rate: 10%)

International Forex Markup

Foreign Currency Transaction Fee: 3.5% of transaction amount 

Welcome Benefits and Reward System
Special Features

None 

Eligibility Criteria

Age Criteria: Primary Card Holder- 21 to 65 years old ; Add-on Cardholder- above 18 years old
Minimum annual income of INR 3.60 Lakhs for salaried individuals and minimum annual income of INR 4.80 Lakhs for self-employed individuals
Resident of India

Benefits
  • Railway Lounge Access

  • EMI Conversion

  • Free Add-on Cards

  • 10% cashback on train ticket booking through IRCTC app or website. 


Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Choose your variant: IRCTC BoB comes in different variants with varying annual fees and reward rates. Compare and choose the one that suits your spending habits.

  2. Apply online: Visit the Bank of Baroda website (https://www.bobfinancial.com/) or the IRCTC website (https://www.irctc.co.in/) and fill out the online application form.

  3. Document upload: Upload scanned copies of the required documents.

  4. E-signature: Sign the application electronically using Aadhaar-based e-signature.

  5. Video KYC (optional): You may be required to complete a video KYC verification for faster processing.

  6. Card approval: You will receive notification about your application status within 7-10 business days.

  7. Card delivery: Upon approval, your card will be delivered to your registered address within 7-10 business days.

Contact Details

Toll free no.: 1800 225 100
Email: crm@bobfinancial.com

Account Opening and Procedure
IRCTC BoB

The rewards and benefits on this IRCTC BoB card are in line with what the IRCTC SBI Platinum card offers. If you looking for a IRCTC card, then you are better off with the SBI card. The biggest advantage of doing this is the better customer support on SBI when compared to BoB. If you are looking for other cards that offer good benefit on IRCTC, then do have a look at HDFC Bank credit cards. They offer 5% cashback or upto 3X reward points with Smartbuy.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • First Year Fee (levied in the first statement): INR 500 , 

  • Annual Fee: INR 350 Interest 

  • Cash Withdrawal fee: 2.5% of the withdrawn amount or INR 500, whichever is higher 

  • Financial Charges: 3.49% per month 

  • Foreign Currency Transaction Fee: 3.5% of transaction amount 

  • Limit enhancement: No fee Late Payment Charges: Statement Balance : Charges Less than INR 100 : NIL INR 100- 500 : INR 100 INR 501- 1000 : INR 400 INR 1001- 10000 : INR 600 INR 10001- 25000: INR 800 INR 25001- 50000: INR 1100 More than 50000 : INR 1300

Fuel Surcharge
1% Fuel Surcharge waived off on all fuel transactions between ₹500-₹3000. (Maximum waiver of ₹100 per statement)
Billing Cycle

30 Days

Fees & Charges
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