Bank of Baroda has recently tied up with IRCTC to launch a co-branded credit card, IRCTC BoB RuPay Credit Card, that targets people who travel very often via Indian Railways. Earlier, only SBI Card used to issue three credit cards in partnership with IRCTC, which are IRCTC SBI Premier, IRCTC SBI Platinum & IRCTC RuPay SBI Card. But, now BoB Financial has also collaborated with, and the partnership seems to be very beneficial for frequent travelers who are loyal to BoB. The card charges a joining fee of Rs. 500, which seems to be worth it due to the exclusive reward programs and benefits offered by it. You can find further details about this card’s features and benefits below in this article:

IRCTC BoB Rupay Credit Card

IRCTC BoB RuPay Credit Card – Features & Benefits

Joining Fee: Rs. 500
Annual Fee:
Rs. 350

Welcome Benefits: With the IRCTC BoB RuPay Credit Card, you get 1,000 bonus Reward Points as a welcome gift if you spend Rs. 1,000 or more within the first 45 days of card issuance.

Reward Points: This card earns you 40 Reward Points for every Rs. 100 spent on irctc website or mobile app, 4 Reward Points for every Rs. 100 spent on groceries & departmental stores, and 2 Reward Points for every Rs. 100 spent elsewhere. The earned Reward Points can be redeemed for ticket bookings from the IRCTC mobile app/website or against the card’s statement balance, where 1 Reward Point = Re. 0.25.

However, to earn the accelerated Reward Points on bookings through IRCTC, you will have to link your credit card loyalty number to your IRCTC account. You can check more details regarding the same here.

Lounge Access: With the IRCTC BoB RuPay Credit Card, you get 1 complimentary domestic railway lounge access every quarter (4 per year).

Other Benefits: Other than all the above benefits, this card provides its customers with a 1% fuel surcharge waiver of up to Rs. 100 per statement cycle, zero liability protection against lost/stolen card, etc.

Also Read: Best Travel Credit Cards in India.

Bottom Line

The IRCTC BoB RuPay Credit Card is one of the few IRCTC co-branded credit cards in the market. It can be considered a great choice for people who travel very often via trains and want to make their travel experiences more rewarding with minimal charges. This card also gives a direct competition to the ITCTC credit cards issued by SBI Card. With a nominal annual fee of Rs. 350, this card allows you to save up to 10% on your spends, which is a really good reward rate. If you love traveling within your country by train, you should definitely consider the IRCTC BoB RuPay Credit Card.


  1. Sushmita Choudhury Reply

    Wanted a IRCTC BoBRupay contactless credit card

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