IRCTC BOBCARD RuPay Vs IRCTC SBI RuPay Credit Card

Railways are one of the oldest modes of travel in India, and every day, millions of people travel through trains across the country. There are several travel-based credit cards in the country, and for individuals who regularly travel via trains, they can opt for an IRCTC co-branded credit card.

One of the top banks in India, SBI, has the IRCTC SBI Platinum card in partnership with Indian Railways. The card has a low joining fee of ₹500 and offers decent rewards and benefits to the users. Along with a decent reward rate, the card offers value back as reward points on booking train tickets through the IRCTC app or website. Additionally, this card offers several other benefits, including a fuel surcharge waiver, travel perks, easy EMI conversions, and more.

Similarly, BOBCARD partnered with Indian Railways for the IRCTC BOBCARD RuPay credit card, exclusively for regular train travelers. The card works on the Indian RuPay platform and offers up to 40 reward points on train ticket bookings through the IRCTC website or mobile application. With this card, you even get complimentary railway lounge access, fuel surcharge waiver, free add-on credit cards, and much more.

IRCTC BOBCARD RuPay Credit Card

BOBCARD and IRCTC collaborated to launch their co-branded IRCTC BOBCARD RuPay Credit Card to meet the needs of individuals who regularly travel via Indian Railways. At a nominal joining fee of ₹500 + GST, the card offers numerous benefits and privileges for customers who prefer rail travel. You can earn accelerated reward points per ₹100 spent on departmental store and grocery expenses, as well as on railway ticket bookings. The following are the features and benefits of this card –

Welcome Benefits: Bonus 500 reward points on making a single transaction worth ₹5,000 within 60 days of getting the card.

Reward Earning: Up to 40 RPs per ₹100 spent on railway ticket bookings through the IRCTC mobile app or website, 4 RPs per ₹100 spent at departmental stores and grocery shops, and 2 RPs per ₹100 spent on other categories.

Reward Redemption: You can redeem reward points against railway ticket booking via the IRCTC mobile app or website. Also, you can redeem reward points against the card statement balance, where 1 RP = ₹0.25.

Travel Benefits: The cardholder gets 4 complimentary domestic railway lounge access every year, max 1 per quarter.

Railway Surcharge Waiver: You get a 1% transaction surcharge waiver whenever you book railway tickets via the IRCTC mobile app or website using this credit card.

Additional Benefits: You can get up to 3 add-on credit cards, free for your family members.

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IRCTC SBI RuPay Credit Card

SBI is among the top card issuers in the country, and the bank partnered with Indian Railways to launch the IRCTC SBI RuPay Credit Card that charges an annual fee of ₹500 plus applicable taxes. The card is excellent for Indian railway users because, other than the welcome benefit, it also offers 10% value back on train ticket booking as reward points. Also, the credit card offers several benefits, and we will read them in the following section –

Welcome Benefits: Bonus 350 reward points on making a single transaction of ₹500 or above within 45 days of getting the card. Also, you get ₹100 cashback on the first cash withdrawal made with the card.

Reward Earning: 1 reward point per ₹125 spent on retail spends, except on fuel. Also, you get 10% value back on railway ticket booking through the IRCTC website or mobile application in the form of reward points. This offer is only applicable to the AC CC, AC1, AC2, and AC3 categories.

Reward Redemption: The reward points earned for your spending can be redeemed against railway ticket booking on the IRCTC website or mobile app.

Travel Benefits: With this credit card, you get a 1% transaction charge waiver on booking railway tickets through the IRCTC website or mobile application. You get access to 4 domestic railway lounges every year (1 per quarter) through the Railway Lounge Program.

Additional Benefits:

• You can use Flexipay to convert transactions of ₹2,500 or more into easy EMIs
• You can use Easy Money to get a cheque or draft against your credit limit
• You can transfer outstanding balance from other cards or banks to this card and pay back conveniently in EMIs.

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IRCTC BOBCARD RuPay Vs IRCTC SBI RuPay Credit Card – Quick Comparison

The following table features a side-by-side comparison of both the credit cards –

Bottom Line

The IRCTC BOBCARD RuPay and the IRCTC SBI RuPay Credit Card are both great options in the travel category. Being co-branded with Indian Railways, both these cards are great for people who travel via trains on a regular basis. Also, the joining fees on the cards are ₹500, which is quite affordable, and they offer various benefits and privileges for cardholders.

With the IRCTC BOBCARD RuPay card, you can earn up to 40 reward points on train ticket bookings, while the IRCTC SBI Platinum card gives 10% value back as reward points on railway ticket bookings. You can redeem reward points earned on both these cards against train ticket bookings through the IRCTC app or website.