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Bank of Baroda
IRCTC BOBCARD RuPay Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹350
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
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, capped at ₹100/month
- 🌍 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
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, capped at ₹100/month
- 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