BOB IRCTC
Bank of Baroda
Last updated: Feb 03, 2026
₹350
₹500
3.5%
4 visits/yr
Contents
The BOB IRCTC co-branded RuPay card is built for frequent rail travellers and everyday spenders. It offers high reward rates on IRCTC bookings, complimentary railway lounge access, and useful travel-focused benefits. A practical choice for commuters who want savings on rail ticket bookings and routine spends.
Features of BOB IRCTC which makes it unique
IRCTC-linked Rewards
Ability to convert BOBCARD reward points to IRCTC travel points for ticket bookings.
Better value when redeeming for rail travel
Specifically optimised for rail travellers.
UPI-enabled Card
BOBCARD can be added as a payment instrument on UPI apps for seamless payments.
Convenient payments and eligibility for certain waivers via UPI
Extra utility beyond standard card payments.
Rewards Structure of BOB IRCTC
Treval
acceleratedTrain ticket bookings through the IRCTC website and mobile app.
Milestones of BOB IRCTC
Quarterly Milestone
₹50,000 : ₹500 cashback (subject to bank offers)
Seasonal IRCTC Bonus
Varies : Higher effective points (up to 40 RP/₹100) during select travel windows
Fees & Charges of BOB IRCTC
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹350 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Standard renewal; some offers may show reduced renewal fee. Check bank terms.
Fee Explanation Fees follow BOBCARD published charges; fuel surcharge waiver and select fee waivers apply as per T&Cs.
Detailed Explanation of BOB IRCTC Fees
Joining Fee: 500 (one-time)
Standard joining fee as per BOBCARD terms.
Annual Fee: 350 (yearly)
Standard renewal fee; check bank for waivers or offers.
Foreign Currency Markup: 3.5% (transaction)
Applies to international transactions where applicable.
Lounge Access Benefits with BOB IRCTC
domestic Lounges
silverVisits per year: 4
Guest access: No
One complimentary railway lounge visit per quarter for primary cardholder.
Insurance Coverage with BOB IRCTC
Travel-related protections
VariesAs per BOBCARD insurance / protection T&Cs.
Additional Features of BOB IRCTC
Free Add-on Cards
Up to 3 lifetime free add-on cards for family members above 18.
Smart EMI
Convert purchases of ₹2,500 and above into EMIs (6–48 months).
Subject to bank approval.
Welcome Bonus with BOB IRCTC
Welcome Bonus: 500 Reward Points
Bonus Conditions: 500 reward points credited after minimum spends of ₹5,000 within 60 days of issuance; new cardholders only.
Application Process for BOB IRCTC
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD portal or BOBCARD/IRCTC link on the bank website
Complete e-sign using Aadhaar and complete Video KYC (if applicable)
Upload KYC documents and await verification; card dispatched after approval
Required Documents for BOB IRCTC
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB IRCTC Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India for RuPay acceptance
International Acceptance
Limited — RuPay acceptance varies internationally; check merchant network
Online Acceptance
Yes (subject to merchant acceptance of RuPay)
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB IRCTC
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must provide valid PAN and Aadhaar; age and income criteria apply.
How Approval Is Decided
- Minimum age 21 years (primary cardholder)
- Indian resident with valid PAN and Aadhaar
- Minimum income and creditworthiness as per BOBCARD policy
Pros of BOB IRCTC
- Excellent rewards for railway bookings
- Useful lounge access for frequent travellers
- Smart EMI and add-on card capability
Cons of BOB IRCTC
- Limited international rewards (RuPay footprint varies)
- Some T&Cs and MCC exclusions for reward crediting
Frequently Asked Questions about BOB IRCTC
Is there a joining fee?
Yes — a joining fee of ₹500 applies. Annual fee is ₹350 as per BOBCARD terms.
What is the welcome bonus?
Earn 500 bonus reward points after you spend at least ₹5,000 within 60 days of card issuance.
How do I get accelerated rewards on IRCTC bookings?
Link your BOBCARD loyalty number with your IRCTC account and book via IRCTC website/app to earn up to 40 reward points/₹100 during select travel windows.
How can reward points be redeemed?
Reward points can be redeemed as statement credit (1 RP = ₹0.25) or converted to IRCTC travel points per BOBCARD conversion rules.
Do I get lounge access?
Yes — up to 4 complimentary railway lounge visits per year for the primary cardholder (one per quarter).
Is there a fuel surcharge waiver?
Yes — 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver applies per statement) subject to T&Cs.
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