IRCTC BOBCARD Credit Card
Card Overview
The IRCTC RuPay BOBCARD Credit Card, launched by BOBCARD LIMITED in partnership with IRCTC, is designed for frequent train travelers. With a joining fee of ₹500, this card offers great value, especially for railway bookings. Cardholders earn 40 Reward Points per ₹100 spent on IRCTC ticket bookings and get a 1% surcharge waiver on transactions. Additionally, Reward Points can be converted into IRCTC travel points by linking the credit card loyalty number with an IRCTC ID.
Beyond railway benefits, the card also rewards everyday spending. New users receive 500 bonus Reward Points after spending ₹5,000 within 60 days of activation. You can earn 4 Reward Points per ₹100 spent on groceries and retail shopping, and transactions can be converted into EMIs for flexibility. If you frequently travel by train and want a card that enhances both travel and daily spending, the IRCTC RuPay BOBCARD Credit Card is a great choice.
Card Details
- Get an add-on card and enjoy added benefits
- 4 complimentary partner railway lounge access per year
- Earn 4 reward points for every ₹100 spent on groceries and departmental stores.
- Get 2 reward points for every ₹100 spent on other purchases.
- Enjoy 40 reward points per ₹100 spent on train ticket bookings via the IRCTC website or app.
- Receive 1,000 bonus points by making a ₹1,000+ transaction within 45 days of card issuance.
- Save on fuel with a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum ₹100 per statement cycle).
- Get up to 4 complimentary railway lounge visits.
- Report a lost card immediately to avoid any liability on fraudulent transactions.
- Convert purchases of ₹2,500 or more into EMIs for 6 to 36 months.
Features & Benefits
IRCTC RuPay BOBCARD Credit Card – Benefits, Fees & Eligibility
If you often travel by train and book your tickets on IRCTC, the IRCTC RuPay BOBCARD Credit Card can help you save on travel expenses while earning rewards every time you book a journey. This travel-focused credit card is specially designed for railway passengers who want extra benefits on train ticket bookings as well as daily spending.
From reward points and railway lounge access to fuel surcharge waivers and ticket booking discounts, this card offers several benefits that can make your travel experience more rewarding. It is also useful for everyday purchases such as groceries and shopping, allowing you to earn reward points beyond railway bookings.
Why is the IRCTC RuPay BOBCARD Credit Card Popular?
Train travel remains one of the most affordable and preferred transportation options in India. Millions of people book railway tickets every day through IRCTC. With the IRCTC RuPay BOBCARD Credit Card, travelers can earn rewards while booking tickets and enjoy additional savings through surcharge waivers.
The card combines travel benefits with everyday rewards, making it suitable not only for frequent train travelers but also for individuals looking for a value-for-money credit card.
Key Features and Benefits
- Earn up to 40 Reward Points for every ₹100 spent on IRCTC train ticket bookings
- Receive 500 bonus reward points as a welcome gift when you get the card
- Enjoy 4 complimentary railway lounge visits every year
- Get reward points when you shop for groceries or buy items from departmental stores.
- Get a 1% fuel surcharge waiver across India
- Receive a 1% railway transaction surcharge waiver on IRCTC bookings
- Avail up to 3 lifetime-free add-on cards for family members
- Enjoy protection against unauthorized transactions in case of card loss
Welcome Benefit
As a welcome gift, you can earn 500 Bonus Reward Points by spending ₹5,000 within the first 60 days of receiving your card. This benefit helps you start collecting rewards right from the beginning and increases the overall value of the card.
Reward Points Program
The reward structure of this card is one of its strongest highlights.
Rewards on Railway Bookings
Whenever you book train tickets through the IRCTC website or mobile app, you can earn up to 40 Reward Points for every ₹100 spent. This makes the card especially beneficial for frequent railway travelers who regularly book tickets online.
Rewards on Daily Spending
Apart from railway bookings, the card also rewards everyday expenses.
- 4 Reward Points per ₹100 spent on groceries and departmental stores.
- 2 Reward Points per ₹100 spent on all other eligible purchases.
This means you continue earning rewards even when you are not travelling.
How Reward Redemption Works
The reward points earned through the card can be used in two ways.
First, you can redeem them while booking railway tickets through IRCTC. Second, you can convert them into statement credit, where 1 Reward Point equals ₹0.25.
This flexibility allows cardholders to choose the redemption option that suits them best.
Complimentary Railway Lounge Access
Waiting at busy railway stations can sometimes be uncomfortable. To improve your travel experience, the card provides 4 complimentary domestic railway lounge visits every year.
You can enjoy a cleaner and more comfortable waiting area before your train journey. However, the benefit is limited to one lounge visit per quarter.
Real-Life Example: How Much Can You Save?
Suppose Rahul travels from Delhi to Mumbai every month and spends around ₹3,000 on train tickets through IRCTC.
Over the year, he spends approximately ₹36,000 on railway bookings. By using the IRCTC RuPay BOBCARD Credit Card, Rahul earns reward points on these bookings, enjoys railway surcharge waivers, and accesses railway lounges during his travels.
In addition, he earns more reward points on grocery shopping and daily purchases. This helps him get more benefits from his spending and enjoy a more comfortable travel experience.
Fuel Surcharge Waiver
The card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at fuel stations across India. The maximum fuel surcharge waiver is capped at ₹100 per statement cycle. This benefit can help reduce fuel expenses for regular commuters.
Additional Benefits for Families
One of the useful features of this card is the availability of up to three lifetime-free add-on cards.
These add-on cards can be issued to family members, allowing them to enjoy the card's benefits while contributing to the accumulation of reward points under a single account.
Fees and Charges
| Particulars | Charges |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹350 |
| Foreign Currency Markup Fee | 3.5% |
| Finance Charges | 3.75% per month (45% annually) |
| Cash Advance Fee | You will be charged 2.5% of the transaction amount or ₹500, whichever is more |
Eligibility Criteria
To apply for the IRCTC RuPay BOBCARD Credit Card, applicants must meet the following requirements:
| Criteria | Requirement |
|---|---|
| Age | 21 to 65 Years |
| Salaried Income | Above ₹3.60 Lakh per year |
| Self-Employed Income | Above ₹4.80 Lakh per year |
| Recommended Credit Score | 750 or Above |
Who Should Apply for This Credit Card?
This card is a good choice for:
- Frequent train travelers.
- IRCTC users who book tickets regularly.
- People looking for railway lounge access.
- Users who want rewards on both travel and daily spending.
- Individuals seeking an affordable travel credit card.
If train travel is a regular part of your lifestyle, this card can help you earn rewards while reducing travel-related costs.
IRCTC RuPay BOBCARD Credit Card Review
The IRCTC RuPay BOBCARD Credit Card is a practical and affordable option for railway passengers. It offers excellent value through accelerated rewards on IRCTC bookings, complimentary railway lounge access, surcharge waivers, and benefits on everyday spending.
With a reasonable joining fee and annual fee, the card delivers a strong mix of travel and lifestyle benefits. Whether you are a business traveler, student, working professional, or frequent railway commuter, this card can help you save more and earn rewards on every journey.
For anyone looking for a railway-focused credit card in India, the IRCTC RuPay BOBCARD Credit Card is definitely worth considering.
Reality Check Feedback
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
- How much do I need to pay to renew the IRCTC RuPay BOBCARD Credit Card each year?
The annual renewal fee is ₹350 plus taxes.
- Is there a fee waiver when booking train tickets on IRCTC with this card?
Yes, you don’t have to pay the 1% extra charge when booking train tickets on the IRCTC website or app.
- How can I contact BoB credit card customer support?
You can get help by calling 1800 225 100 or by sending an email to crm@bobfinancial.com
- What is the redemption value of reward points?
Reward points can be redeemed at 1 RP = 0.25 paise.
- How many free railway lounge visits are included?
You get one free lounge visit every three months.
- How many reward points can I earn on IRCTC bookings?
After linking your loyalty number with your IRCTC ID, you can earn up to 40 reward points per ₹100 spent on IRCTC ticket bookings.
- Can transactions be converted into EMIs?
Yes, purchases of ₹2,500 or more can be converted into EMIs ranging from 6 to 36 months.
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