IRCTC BoB RuPay Credit Card

  • Joining Fee: Rs. 500
  • Renewal Fee: Rs. 350 (plus applicable taxes)
  • Best Suited For: Travel
  • Reward Type: Reward Points
  • Welcome Benefites: Get 1000 Bonus Reward Points on spending Rs. 1000 through a single transaction using this card within the first 45 days of card issuance.
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In collaboration with the Indian Railways Catering and Tourism Corporation (IRCTC), the Bank of Baroda has launched a co-branded credit card – IRCTC BoB RuPay Credit Card. The card was designed, keeping the requirements in mind of those people, who travel quite often through Indian Railways. This partnership will prove to be beneficial for all the BoB customers who use rail mode for traveling. Bearing a joining fee of Rs. 500, this card offers a plethora of rewards and benefits to its users. Not just for travel benefits, this card brings along a lot of benefits on grocery purchases, fuel expenses, etc. You can also convert transactions into EMI through IRCTC CoB RuPay Credit Card. To learn more about this offering by BoB keep reading.

New Features

Spend Based Waiver


Interest Rates

3.49% per month (or 41.88% annually)

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% waiver at all fuel stations in India

Foreign Currency Markup

3.5% on all foreign transactions

Cash Advance Charges

2.5% of the amount withdrawn or Rs. 500

Movie & Dining



Complimentary partner railway lounges access

International Lounge Access


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



Insurance Benefits

You are provided with insurance cover for lost/stolen card

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

Domestic Lounge Access

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

Zero Liability Protection

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


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