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IRCTC BoB RuPay Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of Baroda RuPay Entry

Join / Annual

₹0/₹350

Base Rate

2.0%

Reward Type

Points

Overview

The IRCTC BoB RuPay Credit Card is a Entry credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹350
Eligibility: Salaried: Min. ₹3.6 lakh annual income; Self-Employed: Min. ₹4.8 lakh annual income.

Reward Rates & Cashback Rules

  • MERCHANT – IRCTC: 40.0% cashback | monthly cap ₹250.0 | via IRCTC Website or App ⚠️ Rate is 40 points/₹100 in Peak Season (15 Jan - 31 Mar & 15 Jul - 15 Sep) and 16 points/₹100 in Lean Season. Valid on 1AC, 2AC, 3AC, CC, EC classes. Not valid on cancelled tickets.
  • CATEGORY – Grocery: 4.0% cashback | monthly cap ₹250.0 ⚠️ Total monthly rewards across all categories are capped at 1,000 points (₹250).
  • CATEGORY – Departmental Store: 4.0% cashback | monthly cap ₹250.0 ⚠️ Total monthly rewards across all categories are capped at 1,000 points (₹250).
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Welcome Bonus 🎁: 1,000 bonus reward points on a single transaction of ₹1,000 or more within 45 days of card issuance.
  • Railway Lounge Access 🚆: 4 complimentary railway lounge visits per year (capped at 1 per quarter) at participating lounges.
  • IRCTC Transaction Charge Waiver 🎟️: 1% transaction charge waiver for bookings made on the IRCTC website or mobile app.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.

Eligibility Criteria

Salaried: Min. ₹3.6 lakh annual income; Self-Employed: Min. ₹4.8 lakh annual income.

Features & Benefits

🎁

Welcome Bonus

1,000 bonus reward points on a single transaction of ₹1,000 or more within 45 days of card issuance.

🚆

Railway Lounge Access

4 complimentary railway lounge visits per year (capped at 1 per quarter) at participating lounges.

🎟️

IRCTC Transaction Charge Waiver

1% transaction charge waiver for bookings made on the IRCTC website or mobile app.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

IRCTC Via IRCTC Website or App
Reward: 40.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Rate is 40 points/₹100 in Peak Season (15 Jan - 31 Mar & 15 Jul - 15 Sep) and 16 points/₹100 in Lean Season. Valid on 1AC, 2AC, 3AC, CC, EC classes. Not valid on cancelled tickets.
40%
Grocery
Reward: 4.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Total monthly rewards across all categories are capped at 1,000 points (₹250).
4%
Departmental Stores
Reward: 4.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Total monthly rewards across all categories are capped at 1,000 points (₹250).
4%
Fuel Exclusion
Rent Exclusion
Wallet Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for IRCTC BoB RuPay Credit Card

Category IRCTC BoB RuPay Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹350 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 1.0% 1.0% 1.5%
★
Known Rules 		7 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + IRCTC — 40.0% Points (cap ₹250.0)
  • + Grocery — 4.0% Points (cap ₹250.0)
  • + Departmental Stores — 4.0% Points (cap ₹250.0)
  • + Welcome Bonus
  • + Railway Lounge Access
  • + IRCTC Transaction Charge Waiver
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹350

Net Value

+₹5650

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

Each reward point is valued at ₹0.25. You can redeem these points against future travel bookings or other options.

Yes, you can earn a maximum of 1,000 reward points per statement cycle across all spending categories, which is equivalent to a value of ₹250.

To earn the higher reward rate, you must book your tickets on the IRCTC website or mobile app. Ensure you have linked your unique 11-digit IRCTC BoB Card Loyalty Number with your IRCTC login ID before the transaction.

No, this card does not offer airport lounge access. It provides 4 complimentary railway lounge visits per year at select stations.

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