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IRCTC BoB Credit Card Vs. IRCTC SBI RuPay Platinum Credit Card

IRCTC BoB Credit Card

IRCTC BoB Credit Card

IRCTC SBI RuPay Platinum Credit Card

IRCTC SBI RuPay Platinum Credit Card

Comparison of IRCTC BoB Credit Card and IRCTC SBI RuPay Platinum Credit Card

Feature
IRCTC BoB Credit Card
IRCTC SBI RuPay Platinum Credit Card
Annual Fee
₹500 + GST (~₹590)
₹500 + GST
Joining Fee
₹500 + GST (~₹590)
₹500 + GST
Welcome Benefits
Receive 500 Bonus Reward Points as a joining benefit when you spend ₹5,000 or more within the first 60 days of card issuance.
350 reward points on first activation
Interest Rate (APR)
3.49-3.75% per month (41.88-45% annually)
N/A
Foreign Currency Markup
3.5%
N/A
Key Highlights
  • •Exceptional IRCTC Rewards
  • •Variable Reward Structure
  • •Railway Lounge Access
  • •Transaction Charge Waiver
  • •Primary Travel Benefit
  • •Transaction Charge Waiver
  • •Welcome Bonus
  • •Railway Lounge Access
  • •Fuel Surcharge Waiver
Dos
  • Link your BOBCARD IRCTC loyalty number with your IRCTC login ID immediately upon receiving the card to earn accelerated Reward Points
  • Plan major railway bookings during peak seasons (15 Jan-31 Mar & 15 Jul-15 Sep) to earn maximum 40 Reward Points per ₹100 (10% value-back)
  • Use the card for all IRCTC bookings to earn both Reward Points and 1% transaction charge waiver, delivering double savings
  • Ensure you're always listed as a passenger on tickets you book to qualify for Reward Points on your fare portion
  • Utilise your 4 complimentary railway lounge visits annually (1 per quarter) at major stations for comfortable pre-journey experiences
  • Use the card exclusively for AC train ticket bookings via the IRCTC website to gain the full 10% value-back.
  • Ensure prompt payment of the full balance to avoid the high-interest Finance Charge of 3.50% per month (42% per annum).
  • Utilise the one-per-quarter complimentary railway lounge access whenever travelling via a major station.
  • Link the IRCTC Loyalty Number to the IRCTC ID immediately to activate point accrual and redemption capabilities.
  • Convert high-value transactions (₹2,500+) to Flexipay within the 30-day window to manage large expenditures.
Don'ts
  • Avoid booking railway tickets without being a listed passenger; Reward Points only accrue when the primary cardholder travels
  • Do not exceed the 1,000 Reward Points monthly cap in grocery/other categories; additional spending beyond ₹25,000 won't earn accelerated points
  • Neglect to pay the annual fee (₹350 + GST) from the 2nd year; non-payment deactivates your loyalty number and stops IRCTC rewards
  • Share your card details, CVV, OTP, or PIN with anyone, including those claiming to be from the bank or IRCTC
  • Use the card for cash advances; 2.5% fee plus immediate interest charges make it extremely expensive
  • Expect value-back on everyday expenses, as the base reward rate is low and many categories are excluded from accrual.
  • Use the card for cash advances due to the immediate high fees and interest applied from the day of withdrawal.
  • Miss the payment due date, as the tiered late payment charges are significant and negatively impact the credit history.
  • Assume the renewal fee is waivable; be aware that the ₹300 + GST renewal fee is mandatory regardless of annual spending.
  • Cancel a redeemed ticket without understanding that only reward points, not cash, will be credited back to the loyalty account.

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