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Credit Cards · India

IRCTC BOBCARD Credit Card

Updated 3 Jul 2026Source-linked

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.

Bank of Baroda logo
IRCTC BOBCARD Credit Card
RuPay logo
  • Joining Fee₹500
  • Annual Fee₹350
  • Best Suited ForLifestyle & travel
  • Reward TypeReward Points (points)
Rewards Rate
  • 40 pts per ₹100 on irctc train booking
  • 4 pts per ₹100 on departmental stores
  • Base 0.36% on other spends
Welcome Benefits
  • 500 joining bonus reward points
Bank of Baroda logoBoBRuPay logoplatinumentryCo-brand · IRCTC ↗
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Rewards and Benefits

Rewards Rate
40 pts per ₹100 on irctc train booking
4 pts per ₹100 on departmental stores
Base 0.36% on other spends.
Reward Redemption
BOBCARD Rewards: Reward points redeemable only as statement cashback @ 1 RP = ₹0.25.
Welcome Benefits
500 joining bonus reward points
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
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+).

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

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

Pros
  • Accelerated earn worth ≈7.2% on irctc train booking.
Cons
  • 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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹125 welcome benefit

  • 500 joining bonus reward points
    Spend ₹5,000 or more within 60 days of issuance
    Window: 60 days from issuance.

Accelerated rewards

  • 40 pts per ₹100 on irctc train booking
    Up to 40 RP per ₹100 on train tickets via IRCTC website/app (varies by travel class); requires IRCTC BOBCARD loyalty number linked to IRCTC login.
  • 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

Last verified 3 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.

Tagsentrypointsrailwaytravelco brand