BOB IRCTC credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

1% to 3%

Credit Card Overview

A co-branded travel card with IRCTC offering accelerated rewards on train ticket bookings, surcharge waivers, and travel perks for frequent rail travelers.

Best Suited For: Travel Booking

BOB logoBOBRuPay

Fees and charges at a glance

Annual fee
₹350

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
1% to 3%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

BOB IRCTC credit card — Earn Categories

Where you earn more

  • IRCTCTravel · Railways40 reward points / ₹100

    Maximum 250 IRCTC Travel Points per statement cycle.

Other categories

  • GroceryF&B · Grocery4 reward points / ₹100

Everyday rate

  • Base Rewards2 Reward Points (reward points) / ₹100

1 more earning category on this card

We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Insurance
  • Agriculture
  • Contractor
  • Cleaning and Maintenance
  • Government
  • Education
  • Supermarket & convenience store
  • Charity
  • Fast food restaurants
  • Hospitals
  • Transportation & Tolls
  • Rent
  • Wallets
  • Fuel