BOBCARD
IRCTC BOBCARD RuPay Credit Card
10% value-back on IRCTC bookings + railway lounge access
₹350/yr annual fee · 10x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹350/yr
Reward rate
10x
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
Yes
Eligibility
₹2 lakh/yr · CIBIL 700+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
IRCTC BOBCARD RuPay Credit Card is a co-brand card with Rs 500 joining fee and Rs 350 annual fee, offering up to 10% value-back on IRCTC bookings and 4 complimentary railway lounge visits every year.
Who is this for
- Frequent train traveller
- IRCTC user
What we like
- 10% value-back on IRCTC
- 4 railway lounge visits/year
- RuPay UPI acceptance
Watch out for
- Rs 500 joining + Rs 350 annual fees
- Limited to IRCTC bookings
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹350 | Not waivable |
| Late payment | ₹1,300 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| IRCTC | 10.00 | — | 1.00 |
| GROCERY | 1.00 | — | 0.25 |
Benefits
-
IRCTC value-back Highlight
Up to 10% value-back on IRCTC bookings
-
Railway lounge access Highlight
4 complimentary railway lounge visits every year
-
Grocery rewards
1% rewards on grocery spends
Eligibility
- Age
- 18–65 years
- Min. income
- ₹2,00,000
- Min. credit score
- 700+
- Score note
- Stable income with decent credit
- Employment
- Salaried, self-employed
- Documents
- Resident Indian aged 18-65, salaried or self-employed, minimum income Rs 2 lakh
IRCTC BOBCARD RuPay Credit Card is a RuPay co-brand card from BOBCARD with Rs. 500 joining fee and Rs. 350 annual fee, offering up to 10% value-back on IRCTC bookings and 4 complimentary railway lounge visits every year.
Fees and rewards
- Joining fee: Rs. 500 + taxes
- Annual fee: Rs. 350 + taxes
- Rewards: Up to 10% value-back on IRCTC bookings; 1% on grocery
Eligibility
Resident Indian aged 18-65, salaried or self-employed, minimum income Rs. 2 lakh.
Card data compiled from paisabazaar.com and BOBCARD official site. Status: active.
Apply for IRCTC BOBCARD RuPay Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the IRCTC BOBCARD RuPay Credit Card worth it?
What is the annual fee for the IRCTC BOBCARD RuPay Credit Card?
How does the IRCTC BOBCARD RuPay Credit Card reward rate work?
What are the eligibility requirements for the IRCTC BOBCARD RuPay Credit Card?
Does the IRCTC BOBCARD RuPay Credit Card offer airport lounge access?
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