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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaIRCTC BOBCARD
Bank of Baroda

IRCTC BOBCARD

Reward Points Entry Level
4.0/5.0CardwiseHQ Review
1st Year Fee: ₹500
Primary Reward
Up to 40 reward points per ₹100 on IRCTC train ticket bookings
1st Year Fee
₹500
4.0/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Credit Card with Exclusive Benefits & Savings on Train Journeys

Fees & Charges

IRCTC BOBCARD · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 500
Annual / Renewal Fee₹ 350

Rewards & Cashback

IRCTC BOBCARD · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward RateUp to 40 reward points per ₹100 on IRCTC train ticket bookings
Secondary Reward Rate4 reward points per ₹100 on departmental store purchases
Max Cashback / Rewards (Monthly)1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle (for accelerated rewards)
Welcome / Joining Bonus500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward ExclusionsFuel, select MCCs (Merchant Category Codes)

Features & Benefits

IRCTC BOBCARD · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details4 complimentary access per year (1 per quarter) at partner railway lounges
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on fuel transactions between ₹500-₹3000 (Maximum waiver of ₹100 per statement)
Insurance CoverageZero liability on lost card
EMI Conversion Available✓ Available
Add-on Card Available✓ Available

Eligibility

IRCTC BOBCARD · Detailed eligibility

ParticularsDetails
Minimum Age21
Maximum Age65
Card VariantEntry Level
Best ForTrain Travelers, Online Bookings, Departmental Store Purchases

Pros & Cons

Advantages
  • Up to 40 reward points per ₹100 on IRCTC train bookings
  • 4 complimentary railway lounge accesses per year (1 per quarter)
  • 1% fuel surcharge waiver (up to ₹100 per statement)
  • Welcome bonus of 500 reward points on initial spend
  • Lifetime free add-on cards available
  • Smart EMI conversion for large purchases
  • Zero liability protection on lost cards
Disadvantages
  • Reward points on train bookings are seasonal and have specific conditions
  • Reward points have a low redemption value (1 RP = ₹0.25)
  • Accelerated reward points are capped at 1000 RP per statement cycle
  • Rewards are not applicable on fuel and select merchant categories

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5
Very Good
Overall Editor Rating
Best For: Train Travelers, Online Bookings, Departmental Store Purchases

IRCTC BOBCARD by Bank of Baroda is rated 4.0/5 by our editorial team. Credit Card with Exclusive Benefits & Savings on Train Journeys.

About IRCTC BOBCARD

The IRCTC BOBCARD is a co-branded credit card from BOBCARD Limited and Indian Railway Catering & Tourism Corporation (IRCTC), specifically designed for train travelers. It aims to provide a rewarding experience with substantial savings on train ticket bookings made via the IRCTC app and website. Cardholders can enjoy accelerated reward points on train travel and departmental store purchases, alongside perks like complimentary railway lounge access. It also offers practical benefits such as fuel surcharge waivers, EMI conversion options, and welcome bonuses, making it a comprehensive travel companion for those who frequently use Indian Railways.

Quick Facts

Joining Fee₹500
Annual Fee₹350
Card VariantEntry Level
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✕ No