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Enhance your Railway Travel Experience with the Bank of Baroda IRCTC Credit Card.



Bank of Baroda IRCTC Credit Card- Introduction:

Are you a frequent traveler who loves to explore new places by train? If yes, then you might be interested in the Bank of Baroda IRCTC Credit Card, a co-branded card that offers benefits and rewards for frequent travelers. The cardholders can enjoy up to 10% value back on railway bookings, complimentary travel insurance, fuel surcharge waiver, and access to airport lounges. The card also offers reward points on every spend, which can be redeemed for travel vouchers, merchandise, or cashback. The card has a low annual fee of Rs. 500, which can be waived if the annual spend exceeds Rs. 50,000. The card is ideal for those who want to save money and enjoy convenience while travelling by train.


Features and Benefits of Bank of Baroda IRCTC Credit Card

  • Earn loyalty points on every train ticket booking: With the Bank of Baroda IRCTC Credit Card, you can earn 1 loyalty point for every Rs. 100 spent on train ticket bookings through the IRCTC website or app. You can redeem these points for free train tickets or other products and services on the IRCTC website.

  • Get complimentary travel insurance: The card also provides you with a complimentary travel insurance cover of up to Rs. 10 lakh for death or permanent disability due to rail accidents. This cover is valid for both domestic and international train journeys booked through the IRCTC website or app using the card.

  • Enjoy discounts and offers on travel and dining: The card also gives you access to various discounts and offers on travel and dining across India. You can get up to 15% off on select restaurants, up to 20% off on select hotels, and up to 10% off on select car rentals. You can also avail discounts on flight bookings, bus tickets, and holiday packages through the IRCTC website or app using the card.

  • Save on fuel surcharge: The card also helps you save on fuel expenses by waiving off the fuel surcharge of 1% on transactions of Rs. 400 to Rs. 5,000 at any petrol pump in India. The maximum waiver per month is Rs. 250.

  • Get a welcome gift voucher: As a welcome gift, the card also gives you a voucher worth Rs. 500 that you can use to book train tickets through the IRCTC website or app within 60 days of card issuance.



Eligibility and Fees of Bank of Baroda IRCTC Credit Card

 

To apply for the Bank of Baroda IRCTC Credit Card, you need to meet the following eligibility criteria:

 

  • You should be an Indian citizen

  • You should be at least 18 years old and not more than 65 years old

  • You should have a good credit score and a stable source of income.


The fees and charges of the card are as follows:

 

  • Joining fee: Rs. 500 (waived off if you spend Rs. 5,000 within 60 days of card issuance)

  • Annual fee: Rs. 500 (waived off if you spend Rs. 50,000 in a year)

  • Interest rate: Up to 3.25% per month

  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher

  • Late payment fee: Up to Rs. 750 depending on the outstanding balance

  • Over-limit fee: Rs. 500

  • Cheque bounce fee: Rs. 500

  • Foreign currency transaction fee: 3.5% of the transaction amount.


How to Apply for Bank of Baroda IRCTC Credit Card

 

You can apply for the Bank of Baroda IRCTC Credit Card online or offline.


To apply online, you need to visit the Bank of Baroda website or the IRCTC website and fill in the application form with your personal and professional details. You also need to upload the required documents such as your identity proof, address proof, income proof, and PAN card. After submitting the form, you will get a confirmation message and a reference number that you can use to track your application status.

 

To apply offline, you need to visit the nearest Bank of Baroda branch or IRCTC office and fill in the physical application form with your details. You also need to submit the required documents along with the form. The bank will verify your details and documents and approve or reject your application accordingly.


However, it also has some cons or drawbacks that you should be aware of before applying for it. Here are some of them:

 

  • The card charges an annual fee of Rs. 500, which is not waived off even if you spend a certain amount in a year. This means you have to pay this fee every year regardless of your usage.

  • The card does not offer any benefits for other categories of spending, such as dining, entertainment, travel, etc. You only get reward points for grocery and departmental store purchases, and other categories earn only 2 points per Rs. 100 spent.

  • The card does not offer any insurance cover, such as accidental death, air accident, or lost card liability. This means you are not protected in case of any unforeseen events or mishaps.

  • The card does not offer any fuel surcharge waiver, which is a common feature in many other credit cards. This means you have to pay extra charges every time you refuel your vehicle using this card.

  • The card does not offer any welcome bonus or milestone benefits, which are usually given by other co-branded cards to attract customers and reward them for their loyalty.

 

These are some of the cons or drawbacks of the Bank of Baroda IRCTC Credit Card that you should consider before applying for it. You can also compare it with other co-branded cards that offer similar or better benefits for train travelers.


Conclusion

 

The Bank of Baroda IRCTC Credit Card is a great option for train travelers who want to enjoy rewards and benefits for their journeys. The card offers loyalty points, travel insurance, discounts, fuel surcharge waiver, and a welcome gift voucher for train ticket bookings through the IRCTC website or app. The card also has reasonable fees and charges that can be waived off by meeting certain spending criteria.

 

If you are looking for a credit card that suits your travel needs and preferences, you can consider applying for the Bank of Baroda IRCTC Credit Card online or offline today.


FAQs:

  1. What is the Bank of Baroda IRCTC Credit Card?

  2. What are the eligibility criteria for the Bank of Baroda IRCTC Credit Card? Ans. The eligibility criteria for the Bank of Baroda IRCTC Credit Card are as follows: the applicant must be an Indian citizen, have a minimum age of 18 years, and a minimum income of Rs. 15,000 per month.

  3. What are the benefits of the Bank of Baroda IRCTC Credit Card?

  4. What is the annual fee for the Bank of Baroda IRCTC Credit Card?

  5. What is the interest rate for the Bank of Baroda IRCTC Credit Card?

  6. What is the credit limit for the Bank of Baroda IRCTC Credit Card?

  7. What is the process for applying for the Bank of Baroda IRCTC Credit Card? Ans. The process for applying for the Bank of Baroda IRCTC Credit Card involves submitting an application form along with supporting documents such as PAN card photocopy, income documents, company ID card or visiting card, and current address proof.

  8. What is the renewal fee for the Bank of Baroda IRCTC Credit Card?

  9. What is the surcharge waiver on fuel transactions with the Bank of Baroda IRCTC Credit Card?

  10. What are the insurance benefits of the Bank of Baroda IRCTC Credit Card? Ans. The Bank of Baroda IRCTC Credit Card offers insurance benefits such as personal accident insurance cover, lost card liability cover, and purchase protection cover










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