IRCTC BOBCARD Credit Card
The IRCTC BOBCARD Credit Card is a entry co-branded credit card from Bank of Baroda and IRCTC, with a joining fee of ₹350 + GST.
It earns up to 40 pts per ₹100 (≈7.2% value) on IRCTC spends in the form of reward points (points).
Welcome benefit: 500 joining bonus reward points.
- Joining Fee₹500
- Annual Fee₹350
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
- 40 pts per ₹100 on irctc train booking (cap 1000 points / statement)
- 4 pts per ₹100 on departmental stores
- Base 1.90% on other spends
- 500 joining bonus reward points
Rewards and Benefits
- Railway lounge access — 4 complimentary partner railway-lounge visits per year (1 per quarter).
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹58/mo
You spend ₹8,000 · earns 0.7% = ₹58 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹54/mo
- Dining & food delivery₹8,000 · 0.4% = ₹29/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹36/mo
Travel & hotels — earns base; accelerated rate needs booking via irctc-rail
- Utilities & bills₹5,000 · 0.4% = ₹18/mo
₹2,333 rewards − ₹350 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by Bank of Baroda and IRCTC.
- Joining / annual fee of ₹350 + GST.
- Available on the RuPay network.
Pros & Cons
- Strong base reward rate of 1.90%.
- Accelerated earn worth ≈7.2% on irctc train booking.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹125 welcome benefit
- 500 joining bonus reward pointsSpend ₹5,000 or more within 60 days of issuanceWindow: 60 days from issuance.
Accelerated rewards
- 40 pts per ₹100 on irctc train booking (cap 1000 points / statement)IRCTC AC-rail earning capped 1,000 BoB RP/statement cycle.
- 4 pts per ₹100 on departmental stores
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.
Other benefits
- Railway lounge access. 4 complimentary partner railway-lounge visits per year (1 per quarter).
- Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.
Salaried 21–60 yrs; self-employed 24–65 yrs.