Travel Across India with the Smart BOB IRCTC Credit Card

The BOB IRCTC Credit Card suits travellers who often book train tickets across India.

Cardholders can earn up to 40 reward points per ₹100 spent on bookings through the IRCTC website or mobile app after linking the BOBCARD loyalty number with the IRCTC login ID.

Users also receive up to 1% savings on transaction charges. The card has a very low joining fee of ₹500 and an annual fee of ₹350, which makes it suitable for regular train travellers.

Keep reading this article to learn more about this card!

BOB IRCTC Credit Card Benefits

You begin by receiving 500 bonus reward points after spending ₹5,000 within 60 days from card issue. This welcome benefit helps users begin reward collection early.

The card also provides reward earnings plus travel savings that support frequent train travellers, along with the following benefits:

1. Extra Rewards

Earn 2 reward points per ₹100 spent across eligible categories, including train ticket bookings through the IRCTC website or mobile app.

2. Accelerated Rewards

Cardholders earn 4 reward points per ₹100 spent at departmental stores. Other routine eligible purchases earn 2 reward points per ₹100.

3. Railway Lounge Access

Receive 4 complimentary railway lounge visits each year, with 1 visit per quarter. This benefit improves comfort during train travel.

4. Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000. The maximum benefit stays ₹100 per statement cycle.

Points To Remember About IRCTC BOBCARD

1. Reward redemption through the BOB IRCTC Credit Card login on the IRCTC website requires a ₹1,000 reward value for a ₹1,000 ticket purchase.
2. You earn 40 reward points per ₹100 on eligible train bookings for travel between 15 Jan–31 Mar and 15 Jul–15 Sep.
3. While if you travel between 1 Apr–14 Jul and 16 Sep–14 Jan on 1AC, 2AC, 3AC, CC, or EC classes, you earn 16 reward points per ₹100.
4. Cardholders receive up to 1% cashback on IRCTC transaction charges for eligible bookings through the IRCTC website or mobile app.
5. Reward benefits apply only to the primary cardholder's fare when the primary cardholder travels on the ticket.

💡Understanding reward rules helps you use the card better. Paying bills on time keeps card usage smooth. Pay credit card bills easily with the Pice app. Select your card, enter details, then complete payment in a few simple steps.

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Bank of Baroda IRCTC Credit Card General Features

Here are the general features of the Bank of Baroda IRCTC credit card: 

1. Zero Liability on Lost Cards: The card provides zero liability on lost cards if the loss is reported without delay, which protects users from unauthorised transactions.
2. Smart EMI Plans: Cardholders can convert purchases above ₹2,500 into smart EMI plans with repayment periods from 6 to 48 months.
3. Free Add-ons: Users can also get up to 3 lifetime free add-on cards for spouse, parents, siblings, or children above 18 years of age.

BOB IRCTC Credit Card Charges

The BOB IRCTC Credit Card charges include a finance charge of 3.25% per month or 39% per year, along with several standard charges that cardholders should review carefully:

BOB IRCTC Credit Card Eligibility

Applicants must be Indian residents to qualify. Salaried individuals must fall between 21 and 60 years, while self-employed applicants must fall between 24 and 65 years.

• Income Criteria

💡Now that you know that you are eligible for this card, install the Pice app on your smartphone. Manage multiple credit card bills with the Pice App. Get reminders and instant payment status for a simple payment experience.

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