HomeCredit CardsIRCTC RuPay BOBCARD Credit Card
IRCTC RuPay BOBCARD Credit Card

Bank of Baroda

IRCTC RuPay BOBCARD Credit Card

rupayclassiccredittravel

Annual Fee

₹413₹350 + GST

Base Reward

2% points

Foreign Markup

3.5% on all foreign transactions

Apply Now
4.5/5
VerifiedLast updated 26 May 2026

Welcome Benefits

500 Bonus Reward Points on Spending ₹5,000 Within the First 60 Days of Card Issuance

Product Highlights

  • 500 Bonus Reward Points as a welcome benefit
  • 4 Reward Points per ₹100 spent on grocery & departmental store purchases
  • 2 Reward Points per ₹100 spent on other categories
  • Up to 40 Reward Points per ₹100 spent on train bookings via the IRCTC website and mobile application
  • Three add-on cards free for a lifetime

Category Rewards

Specialty

4X on departmental stores

4X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
IRCTC

IRCTC

Up to 40X on train ticket bookings

40X

Reward Calculator

Earns ₹4,147/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

18.2K

BOBCARD Reward Points

Best worth

₹4.6K

via standard · ₹0.25/pt

Effective rate

2.38%

Annual fee

₹413

Year 1 net

+₹4,147

Year 2+ net

+₹4,147

ongoing

Adjust your spend by reward bucket

3 buckets
10.0%Up to 40X on train ticket bookings
₹3,000/mo
Earns 1.2K bobcard reward points / mo≈ ₹300 worth/mo
1.00%4X on departmental stores
₹3,000/mo
Earns 120 bobcard reward points / mo≈ ₹30 worth/mo
0.50%All other spends
₹10,000/mo
Earns 200 bobcard reward points / mo≈ ₹50 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

4 Reward Points per ₹100 spent on grocery & departmental stores, 2 Reward Points on other categories, and up to 40 Reward Points per ₹100 spent on railway tickets booked through IRCTC.

Reward Points — Redemption Value
  • 1 RP = ₹0.25 against statement balance or for ticket bookings via IRCTC.

Benefits & Features

Domestic: 4 complimentary visits per year (Max 1 per quarter) Full lounge access description not provided

Pros & Cons

Pros

  • High reward points on railway ticket bookings
  • Complimentary railway lounge access
  • Low joining fee of ₹500

Cons

  • Annual fee of ₹350
  • Limited international lounge access

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹350
Joining Fee₹500 + GST
Foreign Markup3.5% on all foreign transactions
Interest Rate3.75% per month
Cash Advance2.5% of the amount withdrawn or ₹500

Eligibility

Min Age

21 yrs

Salaried

₹3.6L+

Self-Emp

₹4.8L+

Networks

rupay