All cards / Bank of Baroda
IRCTC BOBCARD RuPay Credit Card
A co-branded RuPay card for frequent Indian Railways travellers, with a strong 10% effective reward rate on IRCTC train bookings and complimentary railway lounge access.
Annual fee
₹350
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 4 complimentary railway lounge visits per year (1 per quarter)
Benefits by category
- 🛒 Groceries
1% reward rate
- ✈️ Travel
10% reward rate · 4 complimentary railway lounge visits/year (max 1/quarter)
- ⛽ Fuel
1% fuel surcharge waiver on ₹500-₹3,000 transactions, capped at ₹100 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Up to 40 reward points per ₹100 on 1AC/2AC/3AC/CC/EC train bookings via IRCTC site/app
- 4 complimentary railway lounge visits/year (max 1/quarter)
- 1% fuel surcharge waiver on ₹500-₹3,000 transactions, capped at ₹100 per statement cycle
- Reward points can be converted to IRCTC travel points by linking loyalty IDs
Pros
- + High reward rate on IRCTC train ticket bookings
- + 1% savings on IRCTC booking transaction charges
- + Railway lounge access included
Cons
- − Low fuel surcharge waiver cap (₹100/month)
- − Modest base reward rate outside travel/groceries
- − 3.5% forex markup — not built for international travel