By Gunjan Bharara
Updated On June 23, 2022

Together with the Indian Railways Catering and Tourism Corporation (IRCTC), the Bank of Baroda launched a co-branded credit card – IRCTC BoB RuPay Credit Card. This card was designed, keeping in mind those people, who travel quite often through Indian Railways. This partnership will prove to be beneficial for all the BoB customers who use rail mode for traveling. Bearing a joining fee of Rs. 500, this card offers a plethora of rewards and benefits to its users. Not just for travel benefits, this card brings along a lot of benefits on grocery purchases, fuel expenses, etc. You can also convert transactions into EMI through IRCTC CoB RuPay Credit Card. Keep reading the article to know more about this card –

Best Suited For

Travel |

Joining Fee

Rs. 500

Reward Type

Reward Points |

Product Details

  • 1000 Bonus Reward Points (Transaction based)
  • 4 Reward Points on every Rs. 100 spent on grocery and departmental stores
  • 2 Reward Points on every Rs. 100 spent on other categories
  • Upto 40 Reward Points for every Rs. 100 spent on train bookings via IRCTC website and mobile application
  • Get add-on card and enjoy added benefits
  • Get 4 complimentary partner railway lounge access per year

Rewards and Benefits

Welcome Benefits

You are entitled to 1000 Bonus Reward Points if you are able to spend Rs. 1000 through a single transaction using this card within first 45 days of card issuance

Movie & Dining

NA

Rewards Rate

4 Reward Points on every Rs. 100 spent 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

Reward Redemption

The earned RP can be redeemed for ticket bookings via IRCTC website or mobile application. Also can be redeemed against card’s statement balance where 1 RP = Rs. 0.25

Travel

Complimentary access to partner railway lounges

Golf

NA

Domestic Lounge Access

4 Complimentary railway lounge access per year, subject to 1 per quarter

International Lounge Access

NA

Insurance Benefits

You are provided with insurance cover for lost/stolen card

Zero Liability Protection

Zero Liability Protection is provided against lost/stolen credit cards upon reporting to the customer care of the bank.

Fees & Charges

Joining Fee

Rs. 500

Renewal Fee

Rs. 350 (plus applicable taxes)

Spend based Waiver

NA

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on all international transactions

Interest Rates

3.49% per month (or 41.88% annually)

Fuel Surcharge

1% at all fuel stations in India

Cash Advance Charge

2.5% of the amount of Rs. 500, higher of the two

Add-on Card Fee

Nil

IRCTC BoB RuPay Credit Card – Features and Benefits

The IRCTC BoB RuPayCredit Card is specially designed for people who are very frequent train travelers. You can experience rewards, benefits, and discounts while traveling by train by using this card. You get remarkable reward points on your rail ticket booking via IRCTC and while shopping for your daily needs as well. Further, the points can be redeemed to book railway tickets. Following are the detailed features IRCTC BoB RuPay Credit Card:-

Welcome Benefit

  • As a welcome benefit, you get 1000 bonus Reward Points on the condition that you should do a single transaction of Rs. 1000 through your card within the first 45 days of card issuance.

Reward Benefits

  •  Up to 40 Reward Points on every Rs. 100 spent while booking railway tickets through the IRCTC website or mobile application.
  • 4 Reward Points for every Rs. 100 spent towards grocery and departmental stores.
  • 2 Reward Points for every Rs. 100 spend towards all other categories

Reward Redemption

There are 2 ways to redeem the Reward Points that you have earned on your IRCTC BoB RuPay Credit Card –

  • The first is that you can redeem your reward points by booking railway tickets through the IRCTC Website or Mobile Application.
  • The second way of redemption is that you can redeem these points against your credit card statement balance, where 1 RP = Rs. 0.25.

Travel Benefits

  • You are entitled to 4 Complimentary domestic railway lounge access per year, subject to a maximum of 1 per quarter.

Zero Credit Card Lost Liability

In the unfortunate circumstances where your IRCTC BoB RuPay Credit Card is lost or stolen, you will not be liable for fraudulent transactions taking place through your card if you inform about the loss or theft of the card on an immediate basis.

Fuel Surcharge Waiver

You are entitled to a fuel surcharge waiver of 1% at all fuel stations across India on transactions ranging between Rs. 500 to Rs. 3,000. (Subject to a maximum waiver of Rs. 100 per statement)

Railway Surcharge Waiver

On booking a railway ticket through IRCTC Website or Mobile Application using IRCTC BoB RuPay Credit Card, you are entitled to a transaction surcharge waiver of 1% on all transactions.

Other Benefits

You can avail up to 3- lifetime free Add-on cards for your family, which includes your spouse, parents, kids, or siblings who are above the age of 18 years.

IRCTC BoB RuPay Credit Card: Fees and Charges

  • The joining fee for the IRCTC BoB RuPay Credit Card is Rs. 500
  • This card comes with a renewal fee of Rs. 350
  • IRCTC BoB RuPay Credit Card offers a Foreign Currency markup fee of 3.5%
  • 3.49% per month is the interest rate that is charged on this card. This comes out to be 41.88% annually
  • The cash advance charges on this card are 2.5% of the transaction amount or Rs. 500, whichever is higher.

Eligibility Criteria for IRCTC BoB RuPay Credit Card

  • Only Indian residents can apply for this card.
  •  The age bracket for both the salaried and self-employed individuals lies between 21 years to 65 years.
  • The add-on cardholder should at least be 18 years of age to get this card.
  • The income requirement for the Salaried nationals is Rs. 3.60 Lakhs per annum.
  • This income requirement for Self-employed nationals is Rs. 4.80 Lakhs per annum.

 How to apply for IRCTC BoB RuPay Credit Card

You can apply for this card using both online as well as offline methods.

For online mode –

  • Visit the official website of Bank of Baroda
  • Go to ‘Credit Cards’ under the ‘Digital Products’ Tab
  • Choose ‘IRCTC BoB RuPay Credit Card’ and then click on apply now
  • You need to fill in all the required details and submit the documents required.

For offline mode –
You can visit the nearest Bank of Baroda branch and fill in the credit card application form. Attach all the required documents. Submit it to the bank officials, who will then forward it to the credit card department for further processing.

Conclusion

Traveling through railways is convenient as compared to roadways and when you get such exciting benefits while traveling through railways, it is just like a cherry on the cake. Earning 40 Reward Points on booking tickets through IRCTC through this card and also saving you a 1% transaction surcharge that is just amazing. Also, you can convert your BoB Reward points into IRCTC travel points by linking your credit card loyalty number with your IRCTC id, which is great. Previously, only SBI Card used to offer three co-branded credit cards with ITCTC, out of which the IRCTC SBI Platinum Card is very much comparable with this one.

At a nominal fee of Rs. 500, you get all these exclusive benefits with the IRCTC BoB RuPay Card. Not only on railway ticket bookings, but you also get reward points while fulfilling your daily needs. If you are someone who is a frequent traveler and is looking for a card that provides benefits while ticket bookings at a decent fee, you can surely opt for this card as this card offers you premium travel benefits.

FAQs:

You are charged an annual fee of Rs. 350 plus applicable taxes.

Yes, the IRCTC BoB RuPay Credit Card does provide a fuel surcharge waiver of 1% at all fuel stations across India on transactions between Rs. 500 and Rs. 3,000. (the waiver will be subjected to a maximum of Rs. 100 per statement)

Yes, the IRCTC BoB RuPay Credit Card does provide a fuel surcharge waiver of 1% on booking tickets via IRCTC Website and Mobile Application

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