IRCTC BOBCARD (RuPay)
Designed for train commuters and inter-city travelers, the IRCTC BOBCARD provides up to 40 reward points per ₹100 spent on AC train tickets via the official IRCTC portal. Backed by RuPay, it features 4 complimentary executive railway lounge visits per year and supports day-to-day merchant UPI payments.
Why We Recommend The IRCTC BOBCARD (RuPay)
An economical travel card tailored for Indian Railways passengers, combining railway lounge access with RuPay UPI integration.
Frequent railway commuters, families traveling by train, and government employees.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the IRCTC BOBCARD (RuPay)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 (Redeemable for railway tickets on IRCTC) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for IRCTC BOBCARD (RuPay)
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the IRCTC BOBCARD (RuPay)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary railway lounge visits per calendar year (max 1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes IRCTC BOBCARD (RuPay) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Up to 10% value back on train tickets booked via the IRCTC web portal or app.
1% transaction surcharge waiver on IRCTC railway ticketing.
RuPay enabled for UPI scanning across local merchants.
Pros & Cons of the IRCTC BOBCARD (RuPay)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Substantial return rate on AC train tickets for regular rail passengers.
- Complimentary access to modern Executive Railway Lounges.
- Low ₹350 annual fee with an easily achievable ₹50,000 renewal waiver.
Things to Consider (Cons)
- Points can only be redeemed through the IRCTC loyalty gateway.
- No airport lounge privileges (railway lounges only).
- Accelerated reward points apply only to AC class fares, excluding sleeper and unreserved classes.
Who Can Apply for the IRCTC BOBCARD (RuPay)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About IRCTC BOBCARD (RuPay)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the IRCTC BOBCARD (RuPay)?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.