All Cards
rupayclassiccredit
IRCTC RuPay BOBCARD Credit Card
Bank of Baroda
travel
Annual Fee
₹350
Joining Fee
₹500 + GST
Base Reward
2% points
Foreign Markup
3.5% on all foreign transactions
Interest Rate
3.75% per month
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
Rewards
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.
Redemption
1 RP = ₹0.25 against statement balance or for ticket bookings via IRCTC.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 40%(40 Reward Points on railway tickets) | No cap |
grocery | 4%(4 Reward Points per ₹100) | No cap |
other | 2%(2 Reward Points per ₹100) | No cap |
Benefits & Features
Domestic: 4 complimentary visits per year (Max 1 per quarter) Full lounge access description not provided
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Cash Advance2.5% of the amount withdrawn or ₹500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 years
Max Age
65 years
Min Income (Salaried)
₹3,60,000
Min Income (Self-Employed)
₹4,80,000
Available Networks
rupay
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