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Bank of Baroda

IRCTC Credit Card

A railway co-brand card with a strong peak-season train-booking rate, whose claimed railway-lounge benefit could not be corroborated by any BOBCARD compliance document.

Joining fee
₹500
Annual fee
₹350
Status
Open
Verified
4 September 2026
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IRCTC Credit Card

Fees

Joining fee
₹500
Annual fee
₹350
Forex markup
3.5%
APR
45% p.a.
Monthly finance charge
3.75%

Rewards

reward points

  • everything-else: 40 points / ₹100IRCTC train bookings during peak season (15 Jan–31 Mar, 15 Jul–15 Sep). This dataset has no dedicated railway category.
  • everything-else: 16 points / ₹100IRCTC train bookings off-peak.
  • other-online: 4 points / ₹100Departmental stores.
  • everything-else: 2 points / ₹100

Welcome benefit: 500 points on ₹5,000+ spend within 60 days. Primary cardholder must be a passenger on the railway ticket for accelerated rewards to apply.

Important Exclusions

  • education, insurance, utilities, rent: Education, government, insurance, rent, utility, telecom, transportation, and supermarket categories earn no points, per BOBCARD's own revision circular.

Eligibility

Minimum age
21 years
Employment
salaried, self-employed

Why this card may suit you

  • Review the fees, rewards, and eligibility above against your own spending pattern — this card has no single standout feature over the rest of the portfolio.

Source & Verification

Verified from official issuer sources. Last verified 4 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge
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