IRCTC BoB Rupay Credit Card Review

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BoB Financial, the credit card arm of Bank of Baroda has launched a new co-branded IRCTC credit card. The IRCTC BoB credit card is very similar to the IRCTC SBI Platinum card with a few minor changes. Here is a review of the new IRCTC BoB Rupay credit card and its rewards & benefits.

Fees and Charges

Joining Fee Rs 500 plus taxes
Welcome Benefit 1000 reward points on single transaction of Rs 1000 or more within 45 days of card issuance
Annual Fee Rs 350 plus taxes



Bank of Baroda in collaboration with IRCTC offers good value on AC travel bookings.

Bookings for AC travel between 1st Apr – 14th Jul and 16th Sep – 14th Jan 16 RP/Rs 100 4%
Bookings for AC travel between 15th Jan – 31stMar and 15th Jul – 15th Sep 40 RP/Rs 100 10%
Grocery and Departmental Stores 4 RP/Rs 100 1%
Other Spends 2 RP/Rs 100 0.5%
IRCTC BoB Rupay Credit Card Review – Rewards
  • The reward points for ‘Grocery and Departmental Stores’ and ‘Other Spends’ categories are capped at 1000 per statement cycle.
  • For the upto 10% value back on AC tickets, the cardholder has to be one of the passengers on the booked ticket.

Complimentary Railway Lounge Access

We get 1 complimentary railway lounge access per quarter using the IRCTC BoB Rupay credit card. The cities where this is available are Delhi, Jaipur, Agra, Ahmedabad, Kolkata(Sealdah).
The benefits in the lounge include:

  • Two hours of lounge stay
  • A/C sitting arrangements
  • 1 Buffet Meal – Breakfast, Lunch or Dinner as per time of visit
  • Unlimited tea and coffee
  • Free Wi-Fi
  • Newspapers and Magazines

Rewards Redemption

  • 4 Reward Points = 1 IRCTC loyalty point. Reward points for AC bookings will be accumulated in IRCTC loyalty account.
  • Reward points for other spends can be redeemed as cashback.

Other Benefits

  • Save 1% transaction charges on IRCTC bookings
  • 1% fuel surcharge waiver on transactions between Rs 500 to Rs 3000

My View

The rewards and benefits on this IRCTC BoB card are in line with what the IRCTC SBI Platinum card offers. If you looking for a IRCTC card, then you are better off with the SBI card. The biggest advantage of doing this is the better customer support on SBI when compared to BoB.

If you are looking for other cards that offer good benefit on IRCTC, then do have a look at HDFC Bank credit cards. They offer 5% cashback or upto 3X reward points with Smartbuy.

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I am passionate blogger and youtuber since 2018 and self study Programmer.

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