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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 also get complimentary railway lounge access.

IRCTC BoB Rupay Credit Card

Brief Summary

Our Rating
3.75 / 5

Our View

Best for those who travel by rail frequently. You get 10% benefit on AC class rail tickets in the non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep) , and 4% benefit in peak travel season (1st April – 14th July, and 16th Sep – 14th Jan), when you book your tickets on IRCTC. You also get complimentary railway lounge access – once a quarter.

Annual fee of the card is ₹350, from 2nd year onwards. In the 1st year only, the annual fee is ₹500, which is compensated partially by the welcome offer of ₹250.

on BOB Financial website

IRCTC BoB Rupay Credit Card

Special Benefits

Upto 10% benefit on AC class rail tickets, at IRCTC

Other Benefits

Complimentary railway lounge access in India

Minimum Income

₹3.60 lakhs per year (salaried), ₹4.80 lakhs per year (self-employed)

Annual Fee

₹ 350

Annual Fee Offers

Welcome offer worth ₹250

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
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IRCTC BoB Rupay Credit Card
Our Rating
       
APPLY NOW
Snapdeal Credit Card
Our Rating
       
APPLY NOW
Premier Credit Card
Our Rating
       
APPLY NOW
Prime Credit Card
Our Rating
       
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Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

Pros and 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.
Cons
  • Benefit rate on non-railway spends is low, hence you may need to look at other credit cards also to earn good rewards on your other spends like shopping, fuel, bill payments etc.
  • 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 (AC class rail ticket bookings on IRCTC in non-peak season). 1 reward point = 0.25 IRCTC point = ₹0.25 (25 paise). 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.

Reward points will be given in your IRCTC account, on your linked loyalty number, within 5 days after completing eligible rail travel. You need to link 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 are only given to the primary cardholder, in case the primary cardholder books tickets of family members also. 4 reward points = 1 IRCTC point = ₹1 (hence 1 reward point = 25 paise).

Reward point redemption : You can redeem reward points only through your own IRCTC account. You can redeem reward points only against full fare of the ticket, part redemption of points and balance payment from your card is not allowed.

✔︎ 0.50% benefit
You also also earn 2 BOB reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category. 1 BOB 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 (AC class rail ticket bookings on IRCTC in peak season). 1 reward point = 0.25 IRCTC point = ₹0.25 (25 paise). 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.

Reward points will be given in your IRCTC account, on your linked loyalty number, within 5 days after completing eligible rail travel. 4 reward points = 1 IRCTC point = ₹1

Other details and redemption process : same as given in section above.

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

1% benefit on grocery and department store purchases

 You earn 4 reward points worth ₹1, on every ₹100 you spend in this category.

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

0.50% benefit on all other card spends, including UPI spends

You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other spends.

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

You can earn a maximum of 500 reward points on UPI spends, per monthly card statement cycle.

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

1% fuel surcharge waiver, upto ₹100 per month

BOB customer care number

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₹350Welcome 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 & Tracking Your Application Status

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 tracking You 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)
Apply Now

on BOB Financial website

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