Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IRCTC BoB Credit Card

    You earn reward points on your IRCTC BoB Credit Card when you swipe the credit card. The annual fee of the IRCTC BoB Credit Card is Rs.500.

    Key Highlights of the IRCTC BoB Credit Card

    • You get 4 reward points when you spend Rs.100 on grocery and departmental stores.
    • You get 2 reward points every time you spend Rs.100.
    • Enjoy a waiver of 1% on fuel surcharge when you buy fuel at any fuel station in India.

    Features and Benefits of the IRCTC BoB Credit Card

    These are the features and benefits of the IRCTC BoB Credit Card:

    Reward point benefits:

    • You get 1,000 bonus points when you make a transaction of Rs.1,000 or more within 45 days of the card being issued to you.
    • You get 2 reward points every time you spend Rs.100.
    • You get 4 reward points when you spend Rs.100 on grocery and departmental stores.
    • Earn 2 reward points for every Rs.100 that you spend on other categories.
    • Enjoy 40 reward points when you spend Rs.100 on train ticket bookings on the IRTC website or app.

    Add-on card benefits:

    • You get 3 lifetime free add-on cards.
    • This is for your parents, spouse, kids (over 18 years of age), and siblings.

    Fuel surcharge benefits:

    • Enjoy a waiver of 1% on fuel surcharge when you buy fuel at any fuel station in India.
    • To avail this benefit, your transaction amount should be between Rs.500 and Rs.3,000.
    • You can get a waiver up to Rs.100 in one statement cycle.

    Lounge access benefits:

    • Enjoy up to 4 free railway lounge visits.

    Insurance benefits:

    • Report loss of card immediately to ensure zero liability on any fraudulent transactions

    Equated Monthly Instalment (EMI) benefits:

    • You can convert any transaction of and over Rs.2,500 into EMIs 6 or 36 months.

    Eligibility Criteria to Apply for the IRCTC BoB Credit Card

    You can apply for the apply for the IRCTC BoB Credit Card if you meet the following eligibility criteria:

    • You have to be a resident of India.
    • If you are salaried, then you need to have an income over Rs.3.6 lakh. If you are self-employed, then you should have over Rs.4.8 lakh.
    • If you are a primary credit cardholder, you should be over 21 years of age and up to 65 years of age.
    • As an add-on credit cardholder, you should be more than 18 years of age.

    Documents Required to Apply for the IRCTC BoB Credit Card

    You have to submit these documents when you apply for the credit card:

    • You need to submit the 3 months' bank statement as a salaried person.
    • If you are self-employed, you should submit your latest ITR.
    • A photocopy of your PAN card
    • Your address proof
    • 1 passport-size photo
    • Your company ID card, if you are salaried.

    Fees and Charges of the IRCTC BoB Credit Card

    The table summarises the fees and charges of the IRCTC BoB Credit Card:

    Type of charge Fee
    Joining fee Rs.500
    Annual fee Rs.350

    FAQs on IRCTC BoB Credit Card

    1. How to reach the credit card BoB customer care desk?

      You can reach the BoB credit card customer care desk at 1800225100 and write to crm@bobfinancial.com.

    2. At what value can I redeem my reward points?

      You can accrue your reward points and redeem your cashback at 1RP = 0.25 paise.

    3. How many railway lounge visits do I get?

      You get access to 1 free lounge visit every quarter.

    4. How many reward points can earn for every booking?

      You can earn up to 40 reward points on every Rs.100 spent for bookings on IRCTC only after linking your loyalty number with IRCTC id.

    5. How much amount convert to EMI with IRCTC BoB Credit Card?

      You can convert Rs.2500 or above on your card into EMIs of 6/36 months.

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