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/app (up to 10% value back). Backed by RuPay, it features 4 complimentary partner railway lounge visits per year, 2 RPs/₹100 base rewards, and merchant UPI support.
Why We Recommend The IRCTC BOBCARD (RuPay)
An economical travel card tailored for Indian Railways passengers, combining railway lounge access, 0.5% base cashback, and RuPay UPI integration.
Frequent railway commuters and families traveling in AC classes on Indian Railways.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the IRCTC BOBCARD (RuPay)
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25 (Core BOB RPs redeemable as statement credit at 1 RP = ₹0.25; 4 BOB RPs = 1 IRCTC Travel Point)
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the IRCTC BOBCARD (RuPay)
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the IRCTC BOBCARD (RuPay)
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary partner railway lounge visits per calendar year (max 1 per quarter)
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes IRCTC BOBCARD (RuPay) Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Up to 10% value back on AC train tickets booked via the IRCTC website or mobile app.
4x/year complimentary railway lounge access plus 1% fuel surcharge waiver (₹500–₹3,000 txns, max ₹100/cycle).
Exempt from BOBCARD's 1% fee on high-value railway bookings above ₹30,000.
Honest Pros & Cons of the IRCTC BOBCARD (RuPay)
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Strong 0.50% base reward rate (2 RPs/₹100) and 1.00% departmental store rate (4 RPs/₹100) redeemable as statement cashback.
- Complimentary access to partner Executive Railway Lounges once per quarter.
- Low ₹350 annual renewal fee.
Things to Consider (Cons)
- Peak 40 RPs/₹100 rate applies only during specific travel windows (15 Jan–31 Mar & 15 Jul–15 Sep) and only on the primary cardholder's ticket fare.
- No airport lounge privileges (railway lounges only).
- Accelerated train points apply only to 1AC, 2AC, 3AC, CC, and EC classes.
Who Can Apply for the IRCTC BOBCARD (RuPay)?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
700+ Score Recommended
Applicants with a score above 700 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About IRCTC BOBCARD (RuPay)
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for IRCTC BOBCARD (RuPay) is ₹350 + GST.
You can have this fee completely waived by meeting the annual spend milestone: No standard spend-based renewal waiver; low fixed ₹350 + GST annual renewal fee. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The IRCTC BOBCARD (RuPay) features: Up to 40 Reward Points per ₹100 (10% value back) on IRCTC train ticket bookings.
Base reward: 2 Reward Points per ₹100 on standard retail expenses (0.50% return).
Accelerated reward: Up to 40 RPs per ₹100 (15 Jan–31 Mar & 15 Jul–15 Sep) and 16 RPs per ₹100 (other dates) on 1AC, 2AC, 3AC, CC, or EC bookings via IRCTC (capped at 1,000 BOB RPs / 250 IRCTC Travel Points per cycle); 4 RPs per ₹100 on departmental stores.
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the IRCTC BOBCARD (RuPay)?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.