The IRCTC BoB RuPay Credit Card is a newly launched co-branded card that offers rewards, complimentary lounge access, EMI conversion, and more. Cardholders can also save on groceries, fuel, and other expenses. This card is ideal for frequent railway travelers who want extra benefits while managing everyday spends.
IRCTC BoB Rupay Credit Card Rewards Program
Rewards Program
Up to 40 reward points per Rs. 100 on train bookings via IRCTC website or mobile app*
4 reward points per Rs. 100 on grocery and departmental store purchases
2 reward points per Rs. 100 on all other spends
1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance
*Applicable when you link your BoB RuPay IRCTC Credit Card loyalty number with your IRCTC login ID.
Other Features and Benefits
Welcome Benefit
1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance
Railway Lounge Access
Up to 4 complimentary railway lounge visits per year (1 per quarter)
Transaction Charge Waiver
1% waiver on booking tickets via IRCTC website or mobile app
Fuel Surcharge Waiver
1% waiver on fuel transactions between Rs. 500–3,000 (max Rs. 100 per statement)
EMI Conversion
Convert purchases of Rs. 2,500 or more into 6–36 month easy EMIs
Free Add-On Cards
Up to 3 lifetime free add-on cards for spouse, parents, siblings, or kids above 18
Zero Liability on Lost Card
Report lost card immediately to ensure zero liability on fraudulent transactions
Fees and Charges
Type of Fee or Charge
Amount
Joining Fee
Rs. 500
Annual/ Renewal Fee
Rs. 350
Finance Charges
3.49% p.m. (41.88% p.a.)
Late Payment Charges
For Statement Balance:
Less than Rs. 100: Nil
Between Rs. 100 to Rs. 500: Rs. 100
Between Rs. 501 to Rs. 1,000: Rs. 400
Between Rs. 1,001 to Rs. 10,000: Rs. 600
Between Rs. 10,001 to Rs. 25,000: Rs 800
Between Rs. 25,001 to Rs. 50,000: Rs. 1,100
Above Rs. 50,000: Rs. 1,300
Things to Know Before you apply
Get this card if:
You frequently travel by train and book tickets via IRCTC
You want to earn up to 40 reward points on IRCTC bookings and save on a 1% transaction charge
You want to convert BoB reward points into IRCTC travel points (4 BoB points = 1 IRCTC travel point)
You want a low annual fee card with benefits like up to 4 complimentary railway lounge visits per year
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IRCTC BoB Rupay Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IRCTC BoB Rupay Credit Card Hilights
What do we like about this card?
Joining Benefit: 1,000 bonus reward points on a transaction of Rs. 1,000+ within 45 days
Rewards: Up to 40 points per Rs. 100 on IRCTC bookings; 4 points per Rs. 100 on groceries; 2 points per Rs. 100 on other spends
Lounge Access: 4 railway lounges per year
EMI Option: Convert Rs. 2,500+ purchases into 6–36 month EMIs
Zero Lost Card Liability: Immediate reporting ensures no fraud liability
Pros
Earn up to 40 reward points on IRCTC bookings
1,000 bonus points on a single transaction of Rs. 1,000 or more within 45 days of issuance
4 complimentary railway lounge visits per year (1 per quarter)
1% transaction charge waiver on IRCTC bookings
Fuel surcharge waiver of 1% (up to Rs. 100/month)
Convert purchases into easy EMIs (6–36 months)
Up to 3 free add-on cards for family
Zero liability on lost card
Cons
Reward points on IRCTC bookings convert to travel points at a basic rate (4 BoB points = 1 IRCTC point)
Limited premium travel benefits, no international lounge access
Fuel surcharge waiver capped at Rs. 100/month
Annual fee, though basic, still applies
Bank of Baroda Credit Card Contact Details
Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
Frequently Asked Questions
Everything you need to know about this credit card
You can earn 1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance. This offer is valid only once and does not apply at renewal.
You earn 40 reward points per Rs. 100 spent on train bookings via the IRCTC website or mobile app, only after linking your BoB Rupay IRCTC Credit Card loyalty number with your IRCTC ID.
The interest-free period ranges from 20 to 50 days, depending on the transaction date, provided there are no previous outstanding balances.
Yes, cash can be withdrawn from any ATM. However, a cash advance fee of 2.5% of the transaction amount (minimum Rs. 500) applies. It’s recommended to avoid cash withdrawals on credit cards.
Immediately inform the bank by visiting a branch or calling customer care. The bank will block the current card and issue a new card within 7 days. A copy of your FIR is required to apply for a replacement.
Yes, you can, as long as you meet the bank’s eligibility criteria:
Salaried applicants: minimum income Rs. 3.6 lakh p.a.
Self-employed applicants: minimum income Rs. 4.8 lakh p.a.
Visit the bank’s official website, go to the Cards section, and select ‘Track your Application’. Enter your application reference number to view the status.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Bank of Baroda
Fuel
Reward Points
Travel
