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Bank of Baroda

IRCTC BoB RuPay Credit Card

IRCTC BoB RuPay Credit Card

  • Joining Fee :

    Rs. 500 + GST

  • Renewal Fee :

    Rs. 350 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

Get 1000 Bonus Reward Points on spending Rs. 1000 through a single transaction using this card within the first 45 days of card issuance.

Best suited for

Travel

Product Details

  • 1000 Bonus Reward Points as a welcome benefit

  • 4 Reward Points per Rs. 100 you spend on grocery & departmental store purchases.

  • 2 Reward Points per Rs. 100 you spend on other categories

  • Upto 40 Reward Points per Rs. 100 spent on train bookings via IRCTC website and mobile application

  • Get add-on card and enjoy added benefits

  • Get 4 complimentary partner railway lounge access per year

Rewards & Benefits

  • Movie & Dining

  • NA

  • Rewards Rate

  • 4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC

  • Reward Redemption

  • The earned RP can be redeemed for ticket bookings via IRCTC website or mobile application. Also can be redeemed against card’s statement balance where 1 RP = Rs. 0.25

  • Travel

  • Complimentary partner railway lounges access

  • Golf

  • NA

  • Domestic Lounge Access

  • 4 Complimentary access to railway lounges annually (1 every quarter)

  • International Lounge Access

  • NA

  • Insurance Benefits

  • You are provided with insurance cover for lost/stolen card

  • Zero Liability Protection

  • No liability falls on the cardholder if the lost or stolen card is reported to the bank in a timely manner.

Fees & Charges

  • Spend Based Waiver

  • NA

  • Rewards Redemption Fee

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Foreign Currency Markup

  • 3.5% on all foreign transactions

  • Interest Rates

  • 3.49% per month (or 41.88% annually)

  • Fuel Surcharge

  • 1% waiver at all fuel stations in India

  • Cash Advance Charges

  • 2.5% of the amount withdrawn or Rs. 500

  • Add-on Card Fee

  • Nil

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₹20 is the minimum earnings required for withdrawal

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