IRCTC BOBCARD Credit Card
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.
Rewards and Benefits
Fees & Charges
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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