IRCTC RuPay BOBCARD Credit Card

The IRCTC RuPay BOBCARD Credit Card (often referred to as IRCTC BOBCARD) is a co-branded credit card issued by Bank of Baroda through its card-issuing arm BOBCARD Limited in partnership with IRCTC. It is tailored primarily for railway travellers who frequently book train tickets via the IRCTC website or mobile app — offering attractive rewards, lounge access, and surcharges waiver to enhance travel and everyday spending.

IRCTC RuPay BOBCARD Credit Card

Joining Fees	₹500
Annual Fees	₹350
Card Type	Rewards
Network Type	Rupay

Rewards & Benifits

Up to 40 Reward Points per ₹100 spent on train ticket bookings via IRCTC (on eligible classes, when linked with IRCTC login).
4 Reward Points per ₹100 spent at departmental stores / groceries; 2 Reward Points per ₹100 spent on other eligible categories.
4 complimentary railway lounge accesses per year (1 per quarter) at partner railway lounges.
1% fuel surcharge waiver on fuel transactions between ₹500–₹3000 (max waiver ₹100 per statement) — though fuel spends do not earn reward points.
Ability to convert purchases above ₹2,500 into Smart EMI (6–48 months).
Up to 3 free add-on cards for eligible family members (age 18+).
Zero liability on lost card if reported immediately.
Reward redemption: 1 Reward Point = ₹0.25 (cashback), subject to terms.

Fees & Charges

Joining Fee: ₹500 (one-time)
Annual Fee / Renewal Fee: ₹350 per year
Reward program not applicable on certain merchant categories (MCCs) and fuel.
Fuel surcharge waiver does not accrue reward points for fuel spends.

Card Details

Co-branded card by Bank of Baroda / BOBCARD and IRCTC designed for railway travellers.
Works on RuPay network.
Rewards and surcharge waiver apply when IRCTC Loyalty Number (from card) is linked with IRCTC login ID, and booking is done via IRCTC website or app by the Primary Cardholder.
Smart EMI facility for purchases above ₹2,500.
Up to 3 free add-on cards for family (above 18 years) under one primary account.
Redemption of accrued Reward Points as cashback in statement at fixed rate (1 RP = ₹0.25).

Pros & Cons

High rewards on IRCTC train bookings — up to 40 RP per ₹100.
Low joining and annual fees (₹500 + ₹350).
Complimentary railway lounge access 4 times per year.
Fuel surcharge waiver on eligible fuel spends.
Smart EMI option and free add-on cards for family.

Reward points on IRCTC bookings subject to booking through your own IRCTC login — extra steps needed.
Certain spends (e.g. fuel) get surcharge waiver but no reward points.
Reward points credited with a lag (within 60 days) — not instant.
Reward program exclusions on selected MCCs might limit earning potential.

ELIGIBILITY CRITERIA
Any Indian resident. For salaried applicants: age 21–60 years. For self-employed applicants: age 24–65 years. Valid income source required. Proofs such as PAN, address, identity and income proof are mandatory as specified on the official page.

WELCOME BENEFITS
You receive 500 bonus Reward Points if you spend ₹5,000 or more within 60 days of card issuance.

CARD REVIEW
The IRCTC RuPay BOBCARD is best suited for frequent train travellers who book via IRCTC and wish to earn good rewards and enjoy convenience. With low fees and generous perks — especially up to 40 RP per ₹100 on IRCTC bookings, lounge access, fuel surcharge waiver, and Smart EMI — it offers solid value for money for travellers. However, the need to link your card’s loyalty number with IRCTC account and the delayed reward credit (up to 60 days) may be mildly inconvenient. Also, some spends (like fuel) get surcharge waiver but don’t earn reward points. Overall, a strong value proposition for regular railway commuters and occasional shoppers.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

IRCTC RuPay BOBCARD Credit Card