Traveling by train is a popular choice for many people in India. With one of the largest railway networks in the world, trains offer an affordable way to get from one place to another. Whether it’s for commuting to work, visiting family, or exploring new destinations, train journeys are a common experience for millions. Financial institutions and banks have introduced credit cards specifically designed for train travelers. These cards offer various benefits like discounts, Reward Points, and special perks for regular rail users.
One such card is the IRCTC RuPay BOBCARD Credit Card, introduced by BOBCARD in collaboration with the IRCTC. This credit card is designed especially for those who frequently use trains, providing numerous advantages that make traveling more enjoyable and affordable. With features like railway lounge access, reward points for spending, and complimentary services, the BOBCARD meets the expectations of regular train commuters.
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4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC
500 Bonus Reward Points on Spending ₹5,000 Within the First 60 Days of Card Issuance
Card Details +
The IRCTC RuPay BOBCARD Credit Card is designed for people who frequently travel by train in India. Offered by BOBCARD LIMITED in partnership with the Indian Railways Catering and Tourism Corporation, this card helps users earn rewards while making their journeys more comfortable and cost-effective. With a joining fee of ₹500, cardholders can enjoy a number of benefits, including 500 bonus Reward Points if they spend ₹5,000 within the first 60 days. Customers earn 4 Reward Points for every ₹100 spent on groceries and 2 points on other purchases, along with up to 40 Reward Points for each ₹100 spent on railway tickets booked through IRCTC. The card also provides 4 complimentary accesses to railway lounges each year. In case of lost or stolen cards, users are protected against fraudulent transactions if they report them promptly.
| City | Lounge | Station | Platform |
| Agra | IRCTC Executive Lounge | Agra Cantonment Railway Station | Platform 1 |
| Ahmedabad | IRCTC Executive Lounge | Kalupur Railway Station | Platform 1 |
| Jaipur | IRCTC Executive Lounge | Jaipur Railway Station | Platform 1 |
| Kolkata | IRCTC Executive Lounge | Sealdah Railway Station | Platform 1 |
| New Delhi | IRCTC Executive Lounge | New Delhi Railway Station | Platform 1 |
| New Delhi | IRCTC Executive Lounge | New Delhi Railway Station | Platform 16 |
The following benefits provided by BOBCARD can make the cardholder’s train journeys more enjoyable and hassle-free.
The IRCTC RuPay BOBCARD Credit Card should be applied by people who travel by train often in India. It offers several benefits, like access to railway lounges and earning Reward Points on purchases. Cardholders can relax in lounges with free meals and drinks while waiting for their train. With a reasonable joining fee and protective features against fraud, this card focuses on the security and protection of its cardholders. If you frequently travel by train and want to make the most of your expenses, applying for the IRCTC RuPay BOBCARD Credit Card is a smart choice.
Cardholders can access select railway lounges across cities like Agra, Ahmedabad, Jaipur, Kolkata, and New Delhi with IRCTC BOBCARD.
To access the lounges at railway stations, show your BOBCARD along with your train ticket at the entrance. You’ll also need to pay a nominal fee of ₹2 for validation.
No, lounge access is available on a first-come, first-served basis, so it’s best to arrive early during busy travel times.
Lounges provide comfortable seating, refreshments, free Wi-Fi, air-conditioning, charging points, and washroom facilities.