IRCTC BoB Credit Card

The IRCTC BoB Credit Card is the perfect choice for frequent train travellers who prioritise savings on railway bookings whilst seeking rewards on everyday spending. As a co-branded offering developed through Bank of Baroda's strategic partnership with the Indian Railway Catering and Tourism Corporation (IRCTC), this card delivers exceptional value specifically designed for India's extensive railway network users. With industry-leading up to 10% value-back on IRCTC ticket bookings, complimentary railway lounge access, 1% transaction surcharge waiver, and accelerated rewards on groceries and departmental stores, the card transforms routine train journeys and daily purchases into meaningful savings. The unique loyalty integration allows conversion of reward points into IRCTC Travel Points by linking your card with your IRCTC login ID, enabling direct redemption for future railway bookings. Combined with 500 bonus welcome points, fuel surcharge waivers, EMI conversion facility, and an affordable annual fee of just ₹350 (after first year), this card represents an accessible yet comprehensive solution for individuals and families who regularly travel by Indian Railways whilst managing household expenses efficiently. 

Overview 

Co-Branded Excellence: The IRCTC BoB Credit Card combines Bank of Baroda's banking expertise with IRCTC's extensive railway network reach, creating a powerful financial product designed specifically for India's rail travellers. This strategic partnership ensures cardholders benefit from both institutions' strengths whilst earning rewards on the world's fourth-largest railway network. 

Variable Reward Structure Based on Travel Dates: Unlike fixed reward cards, this card offers a dynamic reward structure optimised for travel patterns. Earn 40 Reward Points per ₹100 (10% value-back) on AC class bookings during peak travel periods (15 January to 31 March and 15 July to 15 September), and 16 Reward Points per ₹100 (4% value-back) during regular periods (1 April to 14 July and 16 September to 14 January). This seasonal approach delivers maximum savings when you need them most. 

Important Requirement: The primary cardholder must be one of the passengers listed on the railway ticket to earn reward points. The points are calculated only on the fare portion of the primary cardholder, not the entire ticket value. 

Comprehensive IRCTC Integration: Link your unique BOBCARD IRCTC co-brand loyalty number (embossed on the card) with your IRCTC login ID to automatically accrue Reward Points on all train ticket bookings made through the IRCTC website and mobile app. This seamless integration ensures every railway journey contributes to future savings. 

Railway Lounge Comfort: Access 4 complimentary railway lounge visits per year (maximum 1 per quarter) at partner railway lounges across select stations in India. Enjoy comfortable seating, refreshments, and a pleasant pre-journey environment at major railway stations. 

Transaction Charge Savings: Enjoy 1% transaction charge waiver on all railway ticket bookings made through the IRCTC website and mobile app using your IRCTC BoB Credit Card. This automatic waiver reduces booking costs on every reservation, compounding savings alongside reward points. 

Grocery & Retail Rewards: Earn 4 Reward Points per ₹100 spent at grocery stores and departmental stores (1% value-back at redemption rate of ₹0.25 per point), making everyday shopping more rewarding. Maximum 1,000 Reward Points can be earned per statement cycle in this category. 

General Spending Rewards: Earn 2 Reward Points per ₹100 on all other eligible categories (0.5% value-back), ensuring consistent value on everyday purchases including dining, shopping, and services. Maximum 1,000 Reward Points can be earned per statement cycle in this category. 

Welcome Bonus: Receive 500 Bonus Reward Points (worth ₹125) on spending ₹5,000 or more within the first 60 days of card issuance. This welcome benefit helps offset initial card costs whilst encouraging early usage. 

Flexible Reward Redemption: Redeem accumulated Reward Points in two ways: (1) Convert to IRCTC Travel Points at the rate of 4 Reward Points = 1 IRCTC Travel Point for booking railway tickets through IRCTC, or (2) Redeem against your credit card statement balance at 1 Reward Point = ₹0.25. 

Fuel Surcharge Waiver: Enjoy 1% fuel surcharge waiver on all fuel transactions at petrol pumps across India. Valid on transactions between ₹500 to ₹3,000, with maximum waiver capped at ₹100 per statement cycle, providing up to ₹1,200 in annual fuel savings. 

Complimentary Add-On Cards: Provide up to 3 lifetime free add-on cards to your spouse, parents, siblings, or children above 18 years of age, allowing family members to share the card's benefits whilst helping you accumulate rewards faster. 

Smart EMI Conversion: Convert purchases of ₹2,500 or more into easy monthly instalments ranging from 6 to 48 months. Manage significant expenses comfortably whilst maintaining cash flow for other priorities. 

Zero Liability Protection: Report lost or stolen card immediately to ensure zero liability on any fraudulent transactions made after reporting. Protected against card counterfeit, skimming, and unauthorised usage. 

RuPay Network Advantages: Built on India's domestic RuPay payment network, the card offers wide acceptance across millions of merchants and ATMs nationwide whilst supporting UPI payments for digital-first transactions. 

UPI Integration: Link your IRCTC BoB RuPay Credit Card to UPI-enabled apps like BHIM, PhonePe, Paytm, or Google Pay for seamless merchant payments via QR code scanning, earning rewards on UPI transactions just like regular card spends. 

Interest-Free Period: Enjoy up to 50 days of interest-free credit (ranging from 20 to 50 days depending on transaction timing), allowing you to manage cash flow efficiently whilst planning your payments strategically. 

Affordable Fee Structure: With a joining fee of ₹500 + GST (~₹590) and an annual fee of just ₹350 + GST (~₹413) from the second year onwards, this card offers exceptional value for frequent train travellers. Note that there is no annual fee waiver available based on spending. 

Important Loyalty Activation: Your unique BOBCARD IRCTC co-brand loyalty number gets activated upon payment of the joining fee. To continue accruing Reward Points on IRCTC bookings, you must pay the annual fee from the second year onwards to keep the loyalty number active. 

Additional Travel Benefits: Earn 8 Reward Points per ₹100 on flight bookings via BOBCard SmartDeal and 20 Reward Points per ₹100 on hotel bookings via BOBCard SmartDeal, extending rewards beyond railway travel. 

The IRCTC BoB Credit Card's combination of exceptional railway rewards, seasonal optimisation, complimentary lounge access, transaction charge waivers, and everyday spending benefits makes it an outstanding choice for frequent train travellers seeking to maximise savings on India's railway network. 

Rewards and Benefits 

Earning Reward Points 

Up to 40 Reward Points per ₹100 on IRCTC Bookings (Up to 10% Value-Back) 

Earn exceptional Reward Points on railway ticket bookings made through the IRCTC website and mobile app. The reward rate varies based on travel dates and class of travel: 

Peak Season Travel (40 Reward Points per ₹100): 

• Travel Period: 15 January to 31 March AND 15 July to 15 September 

• Classes Covered: 1AC, 2AC, 3AC, CC (Chair Car), EC (Executive Class) 

• Value-Back: 10% at redemption rate of ₹0.25 per Reward Point 

Regular Season Travel (16 Reward Points per ₹100): 

• Travel Period: 1 April to 14 July AND 16 September to 14 January 

• Classes Covered: 1AC, 2AC, 3AC, CC (Chair Car), EC (Executive Class) 

• Value-Back: 4% at redemption rate of ₹0.25 per Reward Point 

Important Terms: 

• Applicable only when loyalty number is linked with IRCTC login ID 

• Primary cardholder must be one of the passengers on the ticket 

• Reward Points calculated only on the fare portion of primary cardholder, not entire ticket 

• Reward Points for bookings on special travel dates credited within 5 days after journey completion (if ticket not cancelled) 

• Reward Points credited within 60 days of eligible transaction 

4 Reward Points per ₹100 on Grocery & Departmental Stores (1% Value-Back) 

Earn 4 Reward Points for every ₹100 spent at grocery stores and departmental stores, providing 1% value-back when redeemed at ₹0.25 per point. 

Terms: 

• Maximum 1,000 Reward Points per statement cycle in this category 

• This cap means maximum ₹25,000 monthly spending in grocery/departmental stores qualifies for accelerated rewards 

2 Reward Points per ₹100 on Other Categories (0.5% Value-Back) 

Earn 2 Reward Points for every ₹100 spent on all other eligible retail purchases including: 

• Dining at restaurants 

• Shopping (online and offline) 

• Entertainment and leisure 

• Services and general spends 

Terms: 

• Maximum 1,000 Reward Points per statement cycle in this category (including non-IRCTC train ticket purchases) 

• This includes train ticket purchases made through IRCTC that don't have the loyalty number linked 

• Value-back: 0.5% at redemption rate of ₹0.25 per Reward Point 

8 Reward Points per ₹100 on Flight Bookings via BOBCard SmartDeal 

Earn 8 Reward Points for every ₹100 spent on flight bookings made through the BOBCard SmartDeal platform, extending rewards beyond railway travel. 

20 Reward Points per ₹100 on Hotel Bookings via BOBCard SmartDeal 

Earn 20 Reward Points for every ₹100 spent on hotel bookings made through the BOBCard SmartDeal platform, providing 5% value-back on accommodation. 

Reward Exclusions 

No Reward Points are awarded on the following transactions: 

• Fuel purchases (though fuel surcharge waiver applies) 

• Cash advances 

• EMI transactions 

• Balance transfers 

• Card fees and charges 

• Select MCC (Merchant Category Code) categories as specified by BOBCard 

Redeeming Reward Points 

Redemption Value: 1 Reward Point = ₹0.25 

The Reward Points earned can be redeemed in two ways: 

Option 1: Convert to IRCTC Travel Points 

Convert your BOBCARD Reward Points into IRCTC Travel Points for booking railway tickets through the IRCTC website or mobile application. 

Conversion Rate: 4 BOBCARD Reward Points = 1 IRCTC Travel Point 

How to Convert: 

• Link your IRCTC BoB Credit Card loyalty number with your IRCTC login ID 

• Reward Points for IRCTC AC bookings automatically accumulate in your IRCTC loyalty account 

• Use these IRCTC Travel Points for future railway ticket bookings 

Value: This option provides direct utility for frequent train travellers, effectively creating a closed loop of railway spending and rewards. 

Option 2: Redeem Against Statement Balance 

Redeem Reward Points against your credit card statement balance to reduce your outstanding amount. 

Redemption Rate: 1 Reward Point = ₹0.25 

Process: 

• Contact BOBCard customer care or access through net banking 

• Minimum redemption amount may apply 

• Redeemed amount credited as a statement credit, reducing your payable balance 

Note: Reward Points for 'Other Spends' (non-IRCTC bookings) can be redeemed as cashback against statement balance at the above rate. 

Welcome Benefits 

500 Bonus Reward Points (Worth ₹125) 

Receive 500 Bonus Reward Points as a joining benefit when you spend ₹5,000 or more within the first 60 days of card issuance. 

Terms: 

• Minimum spend: ₹5,000 within 60 days 

• Reward Points credited after meeting spend requirement 

• Effectively offsets a significant portion of the joining fee 

Railway Lounge Access 

4 Complimentary Railway Lounge Visits Per Year 

Enjoy 4 complimentary access to partner railway lounges annually, providing comfortable pre-journey experiences at select railway stations across India. 

Terms: 

• Maximum 1 complimentary visit per calendar quarter 

• Access available at partner railway lounges at major stations 

• Facilities typically include comfortable seating, refreshments, newspapers, and charging points 

Availability: Railway lounges available at select major stations. Check with BOBCard or IRCTC for current partner lounge locations. 

Value: Enhances the train travel experience by providing a peaceful, comfortable environment before boarding, especially valuable for long-distance travellers. 

IRCTC Transaction Charge Waiver 

1% Transaction Charge Waiver 

Enjoy automatic 1% transaction charge waiver on all railway ticket bookings made through the IRCTC website and mobile app using your IRCTC BoB Credit Card. 

Benefit: 

• Applies to all IRCTC ticket bookings 

• Reduces booking costs on every reservation 

• Saves additional money beyond reward points earning 

Value: When combined with reward points, this waiver significantly enhances overall savings on railway bookings, potentially delivering total savings exceeding 10% during peak seasons. 

Fuel Benefits 

1% Fuel Surcharge Waiver 

Enjoy 1% fuel surcharge waiver on all fuel transactions at petrol pumps across India. 

Terms: 

• Transaction Range: ₹500 to ₹3,000 per transaction 

• Maximum Waiver: ₹100 per statement cycle 

• Applicable: All fuel outlets nationwide 

Annual Value: Up to ₹1,200 in annual fuel savings for regular drivers. 

Interest-Free Period 

Up to 50 Days: Enjoy an interest-free period ranging between 20 days to 50 days from the transaction date depending on when the transaction is made in the billing cycle, allowing you to manage cash flow efficiently and plan payments strategically. 

Smart EMI Conversion 

Convert purchases of ₹2,500 or more into easy monthly instalments ranging from 6 to 48 months. 

Benefits: 

• Manage significant expenses comfortably 

• Choose your preferred repayment tenure (6, 12, 18, 24, 36, or 48 months) 

• Applicable interest rates and processing fees vary based on tenure 

• Helps maintain cash flow whilst making necessary large purchases 

Process: 

• Contact BOBCard customer care 

• Access through BOBCard mobile app or website 

• Available for both billed and unbilled transactions above ₹2,500 

Complimentary Add-On Cards 

Provide up to 3 lifetime free add-on cards to your family members including: 

• Spouse 

• Parents 

• Siblings 

• Children above 18 years of age 

Benefits: 

• Share card benefits with family 

• Accumulate rewards faster through combined spending 

• Manage family expenses efficiently 

• No additional annual fee for add-on cards 

Zero Liability Protection 

Report lost or stolen card immediately to ensure zero liability on any fraudulent transactions made after reporting the loss to the bank. 

Protection Covers: 

• Card counterfeit fraud 

• Skimming fraud 

• Unauthorised online transactions 

Requirement: Loss must be reported promptly to BOBCard customer care for protection to apply. 

UPI Integration 

Link your IRCTC BoB RuPay Credit Card to UPI-enabled mobile apps like BHIM, PhonePe, Paytm, or Google Pay for seamless digital payments. 

How to Link: 

1. Open any UPI-enabled app 

2. Navigate to 'Accounts' or 'Profile' section 

3. Select 'Add RuPay Credit Card' 

4. Enter card details (number, expiry, CVV) 

5. Set UPI PIN using OTP verification 

6. Start making UPI payments with your credit card 

Benefits: 

• Earn Reward Points on UPI transactions (same rates as regular card spends) 

• Make merchant payments via QR code scanning 

• Convenient digital-first payment experience 

UPI Reward Rates: 

• 40 Reward Points per ₹100 on IRCTC train ticket bookings via UPI (during peak season with linked loyalty number) 

• 4 Reward Points per ₹100 on grocery and departmental store UPI payments 

• 2 Reward Points per ₹100 on other UPI transactions