IRCTC BOB Credit Card is issued by the Bank of Baroda. This credit card is specially designed for those people who mostly travel by train in India. This card provides you with good cashback on all types of expenses incurred on the train.
CardType: Cashback, Rupay, Travel
- Train Booking Reward
- By booking train tickets through IRCTC’s official website and app, you can earn 40 reward points for every Rs 100 spent.
- You get 1000 reward points if you spend Rs 1000 on this credit card within 45 days.
Other Benefits:
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- You get to use the complimentary railway lounge 4 times a year.
- 1% cashback on booking train tickets through IRCTC’s official website and app.
- You get 2 reward points on spending Rs 100 on departmental groceries etc.
- You get a 1% discount on fuel purchases worth Rs. 500 to Rs. 3000 (maximum waiver of Rs. 100 per statement). You can convert your purchase above Rs 2500 into EMI for up to 36 months.
- 3 free add-on cards for family members.
- 1 BoB Reward Point Redemption value is Rs. 0.25.
- Your Travel Rewards points are credited 5 days after the end of your trip (unless you cancel your trip).
- You Can Earn reward points on everyday spending:
- 2 reward points per Rs. 100 on most categories.
- 4 reward points per Rs. 100 on groceries and departmental stores.
Fees & Charges:
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- Joining Fees 500+GST.
- Annual Fees 500+ GST
Additional Points:
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- RuPay variant available.
- Annual Fee Apply to the card.
- You Can Link this credit card from any UPI for doing UPI transactions.
Pros & Cons
- Pros
- High Reward Point: You Can Earn up to 40 reward points per Rs. 100 on train tickets Booking.
- Bonus Reward Point: Earn additional reward points on grocery and departmental store purchases.
- Travel Benefits: You get to use the complimentary railway lounge 4 times a year.
- Fuel Surcharge Waiver: You get a 1% discount on fuel purchases worth Rs 3000 to Rs 5000
- Easy EMI: You can convert your expenses above Rs. 2500 into easy EMIs.
- Add-On Card: You can give a free addon card to 3 members of your family
- Cons
- Annual Fees: You are not given any option to waive the annual fee on this credit card.
- Reward Point Conversion: You get 1 Bob Rewards point worth Rs.0.25
- Lower Rewards on Other Spending: You get better cashback on other categories than other credit cards
Please Read Our other credit card reviews
- IRCTC SBI Platinum Rupay Credit Card
- PNB RuPay Platinum Credit Card
- AU Altura Credit Card All Details
- RBL Bank ShopRite Credit Card
- SBI Cashback Credit Card
Overall:
IRCTC Bob Credit Credit Card is a good card for those who mostly travel by train in India and want good cashback on their IRCTC ticket booking. With this credit card, you get the facility of Railway Lodge Access. You can enjoy it four times a year.
Disclaimer
We have obtained all the information about this credit card from the internet and the official website of the bank. If there is any future change in the fees, rewards, and other transactions of this Credit Card, CredBanking will not take any responsibility for the same. For this, you must visit the official page of this card.
