By: OurMoneyGuide || Last updated on: May 31, 2024

IRCTC BoB Rupay Credit Card is a co-branded railway credit card from BoB Financial. You get 10.50% benefit on AC class rail tickets in the non-peak season, and 4.50% benefit in peak travel season. You get lifestyle benefits like complimentary railway lounge access.

You also earn cashback on UPI spends, since the card is on the RuPay platform.

Pros & Cons of IRCTC BoB Rupay Credit Card

Pros

  • Good benefit rate of upto 10.50% on AC railway tickets – 10.50% in non-peak season, and 4.50% in peak season.
  • Complimentary access to railway lounges – once per quarter.
  • Cashback on UPI spends

Cons

  • You will need to consider other cards to earn higher rewards on non-railway spends
  • There is no discount on non-AC rail tickets.

Features & Benefits of the IRCTC BoB Rupay Credit Card

10.50% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)

✔︎ 10% benefit
– You earn 40 reward points worth ₹10, on every ₹100 spent in this category.
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep (non-peak season), and is valid only on online rail bookings.
– 1 reward point = ₹0.25 (25 paise). Reward points are transfered to your IRCTC account, 4 reward points = 1 IRCTC point = ₹1 (hence 1 reward point = 25 paise). IRCTC points can be used for buying AC class rail tickets on IRCTC.

Important points to note-
– You need to link your loyalty number with your IRCTC account, else you will not receive reward points (11 digit loyalty number is mentioned on the IRCTC BOB Card below cardholder name)
– Reward points will be transferred to your IRCTC account within 5 days after completing eligible rail travel
– Reward points are given only to the primary cardholder, even if the primary cardholder books tickets of family members also.
– Reward points are given only on online rail bookings on IRCTC. Reward points are not given on ticket purchases at the Passenger Reservation System counters.
– You can redeem IRCTC points only against full fare of the ticket, part redemption of points and balance payment from your card is not allowed.

✔︎ 0.50% cashback (this is given on all spends on the card)
– You also also earn 2 BOB reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

4.50% benefit on AC class rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)

✔︎ 4% benefit 
– You earn 16 reward points worth ₹4, on every ₹100 spent in this category.
– This benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan (peak season), and is valid only on online rail bookings.
– 1 reward point = ₹0.25 (25 paise). Reward points are transfered to your IRCTC account, 4 reward points = 1 IRCTC point = ₹1 (hence 1 reward point = 25 paise). IRCTC points can be used for buying AC class rail tickets on IRCTC.
Other important points covered in the section above.

✔︎ 0.50% cashback (this is given on all spends on the card)
– You also also earn 2 BOB reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

1% cashback on grocery purchases and department store purchases || 0.50% cashback on all other card spends, including UPI spends

You earn 4 reward points worth ₹1, on every ₹100 you spend on grocery & department store purchases. You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other card purchases and on UPI spends.

1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

Restrictions-
- You can earn a maximum of 1000 reward points, which can be redeeemed as cashback
- On UPI spends, you can earn a maximum of 500 reward points per month. On non-UPI spends you can earn a maximum of 1000 reward points per month.

Complimentary railway lounge access – 1 per quarter

You get free visits to railway lounges in India, 4 times per year (maximum once per quarter).

For details, please click here.

1% transaction charges waiver – on railway ticket bookings on IRCTC

You are not charged 1% transaction charges, when you use your card to book railway tickets at IRCTC

Fuel surcharge waiver, upto ₹100 per month

You get a 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹500 and ₹3000. And only on fuel purchases upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle.

BOB customer care

Please click here, to see all available options to contact your card issuer.

3 free add-on cards

Bank of Baroda PRIME Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones.

Lifetime free add-on cards : You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

IRCTC BoB Rupay Credit Card Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹500Welcome offer : You get 1000 reward points worth ₹250, when you do a single credit card transaction of ₹1000 or more within 45 days of card issuance.
Renewal fee from 2nd year onwards₹350

Late payment fee

Total payment amount dueLate fee
Less than ₹100Zero
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1100
More than ₹50,000₹1300

Interest charges on overdue balances – 3.60% per month

Foreign transaction fee – 3.50%

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Bank of Baroda Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholders : 21 years
Add-on cardholders : 18 years
Maximum age65 years
OccupationSalaried , self-employed
Minimum income requirementsSalaried : ₹3.60 lakhs per year
Self-employed : ₹4.80 lakhs per year

Application Process

Step-by-step guide

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the BOB Financial website. You can also visit official website of BOB Financial and fill out the application form.

You can apply online in 3 simple steps :
– Complete the e-application
– Aadhaar based e-signature
– Confirm your application with a video KYC
Offline (face to face)  application processYou can also visit any of the nearest branches of the bank and talk to an executive regarding the process.
Application trackingYou can track your application by clicking here.

Necessary documents and verification

Required documents
– PAN card

– Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government

– Income proof :
Salaried : Last 2 months salary slip + bank statement showing salary credits
Self-employed : Latest income tax return (ITR)