Bank of Baroda
IRCTC RuPay BOBCARD Credit Card
rupayclassiccredittravel
Annual Fee
₹350
Base Reward
2% points
Foreign Markup
3.5% on all foreign transactions
4.5/5
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
travel
40 Reward Points on railway tickets
40 Reward Points on railway tickets
grocery
4 Reward Points per ₹100
4 Reward Points per ₹100
other
2 Reward Points per ₹100
2 Reward Points per ₹100
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
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Cash Advance2.5% of the amount withdrawn or ₹500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