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 logoBOB

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 — Milestones

  1. Welcome benefit

    Spend ₹5,000 within 60 days

    Earn 500 reward points

  2. Spend rewardRepeats every year

    Spend ₹75,000 per statement cycle

    500 reward points on reaching quarterly spends of ₹75,000.