IRCTC BoB Rupay Credit Card
Bank of Baroda Bank of Baroda

IRCTC BoB Rupay Credit Card

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Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹300*Plus Applicable Taxes

Fuel Fuel
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹500* + Tax

Renewal Fee: ₹300* + Tax

Welcome benefits:- 1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IRCTC BoB Rupay Credit Card

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 ChargeAmount
Joining FeeRs. 500
Annual/ Renewal FeeRs. 350
Finance Charges3.49% 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
  • Fuel Benefit: 1% surcharge waiver on fuel transactions Rs. 500–3,000 (max Rs. 100/month)
  • Add-On Cards: Up to 3 lifetime free cards
  • 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
  • Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
  • 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.

  1. Yes, you can, as long as you meet the bank’s eligibility criteria:
  2. Salaried applicants: minimum income Rs. 3.6 lakh p.a.
  3. 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.

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