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IRCTC BoB RuPay Credit Card
Travel
Rewards
1st Year Fee: ₹500* Plus Applicable Taxes
Co-branded
Up to 10% value-back on IRCTC
Rewards
1% rewards on grocery spends
Travel
4 railway lounge visits yearly
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About IRCTC BoB RuPay Credit Card
IRCTC BoB RuPay Credit Card is a co-branded credit card designed for frequent travellers who prefer to travel by train. This card offers up to 10% value-back on IRCTC bookings, along with a 1% transaction surcharge waiver, allowing cardholders to save significantly on their train tickets
Besides this, cardholders can earn 2X reward points on departmental store spends and 0.5% value-back on other spends, including UPI transactions. The accumulated reward points can be converted into IRCTC Travel Points or redeemed against cashback at a value of Rs. 0.25 per point.
One of the standout features of this card, compared to other IRCTC co-branded credit cards, is that the 10% value-back varies between 4% and 10% depending on the booking dates. However, this also makes it a bit challenging to consistently get the maximum value-back from the card. In addition to reward points, this credit card also offers 4 complimentary railway lounge visits every year, enhancing its value for frequent train travellers. Overall, this travel credit card is an excellent choice for IRCTC loyalists looking to save on their train bookings.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit BoB Card’s website.
Suggested Read: Best RuPay Credit Cards in India
Rewards Program
Reward Earning
- Up to 40 reward points per Rs. 100 spent on train bookings via IRCTC website or mobile app1,2
- 40 reward points per Rs. 100 spent between 15 January to 31 March and 15 July to 15 September
- 16 reward points per Rs. 100 spent between 1 April to 14 July and 16 September to 14 January on 1AC, 2AC, 3AC, CC or EC class bookings
- 8 reward points for every Rs. 100 spent on flight bookings via BOBCard SmartDeal
- 20 reward points for every Rs. 100 spent on hotel bookings via BOBCard SmartDeal
- 4 reward points for every Rs. 100 spent on departmental stores, up to 1,000 points per month
- 2 reward points for every Rs. 100 spent on other categories
Other Features & Benefits
Welcome Benefit
- Bonus 500 reward points on spending Rs. 5,000 within first 60 days
Railway Lounge Access
- Up to 4 complimentary railway lounge visits every year (1 per quarter)
Transaction Charge Waiver
- 1% transaction charge waiver on booking tickets via IRCTC website or mobile app
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on all fuel transactions between Rs. 500 to Rs. 3,000 (Max. waiver of Rs. 100 per month)
IRCTC BoB RuPay Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 350 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently book train tickets through IRCTC and want to save on bookings
You are looking for a card that offers benefits on UPI spends
You prefer to redeem accumulated reward points against cashback or IRCTC Travel Points
You are looking for a low annual fee card with basic benefits on day-to-day spends
Eligibility Criteria
Age Requirement for Salaried: 21 to 65 years
Annual Income Requirement for non-BoB customers: Rs. 3.6 Lakh for Salaried & Rs. 4.8 Lakh for Self-employed
Annual Requirement for BoB customers: Rs. 3 Lakh for Salaried and Rs. 3.6 Lakh for Self-employed
Paisabazaar Review
What do we like about this card?
With 10% reward rate on IRCTC spends, this credit card is a decent option for consumers who frequently travel by train. One of its key features is that cardholders can convert BoB reward points into IRCTC travel points by linking their credit card loyalty number with their IRCTC ID. However, the conversion rate is quite low, i.e., 1 Reward Point = 0.25 IRCTC Travel Points. This credit card also offers 2X reward points on departmental store spends, making it a suitable choice for day-to-day spends as well.
Pros
- Up to 10% value-back on IRCTC bookings
- 2X reward points on day-to-day spends
- Complimentary railway lounge access (up to 4 visits per year)
- 1% railway transaction surcharge waiver on IRCTC bookings
- Conversion of reward points into IRCTC Travel Points
Cons
- Low reward redemption value (1 RP = Rs. 0.25)
- No annual fee waiver benefit
- Low reward rate of 0.5% on other spends
Conclusion
With a low annual fee, this credit card offers decent benefits for IRCTC loyalists and frequent train travellers. However, the 10% value-back varies between 4% and 10%, depending on the travel dates. Therefore, consumers need to plan their bookings smartly to maximize benefits. Besides this, the card also offers complimentary railway lounge access, which enhances its value for train travellers. Overall, this credit card is a good option for consumers looking for a domestic travel-focused card.
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of BoB Card. However, if you want to apply offline, you have to visit the nearest branch of the bank to fill out the application form.
The bank offers an interest-free period ranging between 20 days to 50 days. The interest-free period offered on this credit card depends upon the date of the transaction, provided there are no previous outstanding on the card.
Yes, you can withdraw cash via this credit card through any ATM. However, the bank charges a cash advance fee of 2.5% of the transaction amount or a minimum of Rs. 500. Therefore, it is advisable not to withdraw cash using a credit card.
If your credit card is lost or stolen, you should immediately inform the bank by visiting the nearest branch or by calling the BOB credit card customer care number. After reporting the issue, the bank will immediately stop payments on your current card and a new card will be delivered to you. However, you need to submit a copy of your FIR to apply for a new credit card.
You can earn up to 40 reward points on your bookings through the IRCTC website or app only after linking your loyalty number with IRCTC ID. The reward points will be earned on every Rs. 100 spent on train bookings via IRCTC website and mobile app.
You can check the status of your credit card application by visiting the official website of the bank. On the homepage, under the cards section, you will find an option of ‘Track your Application’. You will be asked for an application reference number, post which the bank will be able to tell you the status of your credit card.
Yes, you can apply for this credit card even if you do not fall in a tax bracket that requires tax payment. However, you must meet the eligibility criteria set by the bank in order to avail this card. For IRCTC BoB RuPay Credit Card, the minimum income for salaried applicants should be Rs. 3.6 lakh p.a, whereas the same for self-employed applicants is Rs. 4.8 lakh p.a.
With IRCTC BoB RuPay Credit Card, you can earn 500 bonus reward points on spending Rs. 5,000 or more within 60 days of card issuance.
Footnotes
- Applicable on linking BoB RuPay IRCTC Credit Card loyalty number with IRCTC login id.
- Applicable only on the fare of the primary cardholder and not on the fare of the entire ticket. The primary cardholder will have to mandatorily be one of the passengers listed on the railway ticket.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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