IRCTC Bobcard
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Milestone Benefits
None.
Cashback Rate
1 BoB Reward Point = INR 0.25.
Users will get 2 reward points per INR 100 on other categories. Effective cashback rate: 0.50%.
4 reward points on purchase made on departmental store effective cashback rate = 1%.
40 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App. Cashback rate: 10%.
Earn 4 Reward Points for every ₹100 spent on Grocery & Departmental stores, and 2 Reward Points per ₹100 on other categories.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Other Benefits: 4 complimentary railway lounge access facility is provided to the customers.
Lounge Access
Other Benefits: 4 complimentary railway lounge access facility is provided to the customers.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Milestone Benefits
None.
Cashback Rate
1 BoB Reward Point = INR 0.25.
Users will get 2 reward points per INR 100 on other categories. Effective cashback rate: 0.50%.
4 reward points on purchase made on departmental store effective cashback rate = 1%.
40 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App. Cashback rate: 10%.
Earn 4 Reward Points for every ₹100 spent on Grocery & Departmental stores, and 2 Reward Points per ₹100 on other categories.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Other Benefits: 4 complimentary railway lounge access facility is provided to the customers.
Lounge Access
Other Benefits: 4 complimentary railway lounge access facility is provided to the customers.
Fees & Charges
Joining Fee
INR 500
Annual Fee
INR 350 I
Cash Advance Fee
Cash Withdrawal fee: 2.5% of the withdrawn amount or INR 500, whichever is higher
Interest rate
3.49% per month�
Late Payment Fee
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
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 3.5% of transaction amount
Other Fees
First Year Fee (levied in the first statement): INR 500 , | Financial Charges: 3.49% per month
Fees & Charges
Joining Fee
INR 500
Annual Fee
INR 350 I
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.49% per month�
Late Payment Fee
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
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 3.5% of transaction amount
Other Fees
First Year Fee (levied in the first statement): INR 500 , | Financial Charges: 3.49% per month
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
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
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.
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.
Document upload: Upload scanned copies of the required documents.
E-signature: Sign the application electronically using Aadhaar-based e-signature.
Video KYC (optional): You may be required to complete a video KYC verification for faster processing.
Card approval: You will receive notification about your application status within 7-10 business days.
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
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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai