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.
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
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Yes, cash can be withdrawn from any ATM.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.
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