IRCTC BoB Rupay Credit Card Features & Benefits

Summary

The IRCTC BoB Rupay Credit Card is an excellent choice for regular train commuters, providing special privileges and rewards on railway reservations and daily expenses. The Credit card is issued by the Bank of Baroda in association with IRCTC to make travel cheaper and more rewarding.

One of its largest benefits is the reward points scheme. Cardholders get 40 reward points for each ₹100 spent on train tickets purchased using IRCTC for AC1, AC2, AC3, and CC classes. They also get 4 reward points for each ₹100 spent on grocery and department stores, and all other expenses get 2 reward points for each ₹100.

Users receive a welcome bonus where they get 1000 reward points on the spending of ₹1000 in the first 45 days from the date of card issuance. This card gives four complimentary accesses to the railway lounge per year. Travelers can sit comfortably and enjoy waiting at selective stations.

Introduction

IRCTC BoB Rupay Credit Card is a credit card launched jointly by the Indian Railway Catering and Tourism Corporation (IRCTC) and the Bank of Baroda (BoB). IRCTC Rupay Credit Card is specially designed for those who travel frequently by Indian Railways and want to save on their rail ticket booking and other expenses. Through the IRCTC BoB Credit Card, you get special cashback and rewards on booking train tickets from the IRCTC website, which can reduce your travel expenses. Transactions.

Credit card has many benefits, such as cashback on train ticket booking, facility of rewards points on dining, entertainment, and shopping. Along with this, you can also use the BoB Rupay Credit Card for other everyday needs, such as grocery shopping, dining in restaurants, and online shopping.

The annual fee for IRCTC Bank of Baroda Rupay Credit Card is also very low, and the first year’s fee can be waived if you meet certain transaction conditions. Apart from this, you also get a fuel surcharge waiver with the IRCTC Bank of Baroda Rupay Credit Card, which also reduces your fuel expenses.

In today’s article, we will discuss in detail about IRCTC Bank of Baroda Rupay Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of IRCTC Rupay Credit Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the IRCTC BoB Rupay Credit Card?

The credit card is a new credit card launched by the Indian Railway Catering and Tourism Corporation (IRCTC) and the Bank of Baroda (BoB) together. IRCTC Bank of Baroda Rupay Credit Card is launched specifically for Indian railway passengers who are looking to save on the cost of train ticket reservations and other fees.

You earn cashback and reward points when booking train ticket reservations on the IRCTC website using the IRCTC Bank of Baroda Rupay Credit Card. The IRCTC Rupay Credit Card operates on the RuPay network, which is accepted nationwide and ensures safe transactions. The annual fees are minimal, along with various other benefits such as waiving the fuel surcharge and earning reward points on purchases, dining, and more.

What is the design of the IRCTC BoB Rupay Credit Card?

The Rupay Credit Card has a modern and sophisticated look with the Bank of Baroda and IRCTC branding. The card has a modern background with a travel theme, representing train journeys.

It also carries the Rupay logo, which shows that it runs on the Rupay payment network. The card design is sophisticated but simple, which makes it appealing to regular travelers who love train travel.

What are the benefits of the IRCTC BoB Rupay Credit Card?

The following are the key rewards:

1. Reward Points: 40 reward points for each ₹100 spent on IRCTC ticket bookings (AC1, AC2, AC3, and CC classes).

2. Regular Spending Rewards: 4 reward points for every ₹100 spent at department stores and groceries.

3. Other Spends: 2 reward points for every ₹100 spent on all other spends.

4. Welcome Bonus: 1000 bonus reward points on spending ₹1000 in 45 days.

5. Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on spends in the range of ₹500 to ₹3000.

6. Railway Lounge Access: Get four free railway lounge accesses annually (one per quarter) at specified stations.

What are the IRCTC BoB Rupay Credit Card fees?

Here is a simple Credit Card fee breakup.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹349 = GST per year. This will be waived if you spend ₹50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IRCTC BoB Rupay Credit Card?

The following are the primary requirements:

1. To apply for the IRCTC Bank of Baroda Rupay Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an IRCTC BoB Rupay Credit Card?

The documents that you will have to submit to Get an IRCTC Rupay Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IRCTC BoB Rupay Credit Card be used?

Here is the list of places where you can use it:

• With the IRCTC Bank of Baroda Rupay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your IRCTC Bank of Baroda Rupay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The IRCTC Bank of Baroda Rupay Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IRCTC BoB Rupay Credit Card?

The credit amount you can spend is what you are provided with an IRCTC Bank of Baroda Rupay Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an IRCTC BoB Rupay Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the IRCTC Bank of Baroda Rupay Credit Card.

• Just hover your cursor on the IRCTC Bank of Baroda Rupay Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the IRCTC Rupay Credit Card.

• Request for the credit card application form for the IRCTC Bank of Baroda Rupay Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the IRCTC Bank of Baroda Rupay Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IRCTC BoB Rupay Credit Card in 2025 be right?

Yes, getting an IRCTC BoB Rupay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.

Conclusion

IRCTC BoB Rupay Credit Card is a wonderful and convenient option for Indian railway passengers. IRCTC Bank of Baroda Rupay Credit Card, besides offering ample opportunities to save while booking your ticket on travel, also offers special advantages on other regular expenses. With this partnership between IRCTC and Bank of Baroda, you get the benefit of cashback, reward points, and other financial advantages, thereby making your journey together with your daily expenses economical.

Additionally, the IRCTC Rupay Credit Card is a RuPay network-based, thereby it is acceptable anywhere in the country. Apart from safe and fast transactions, the IRCTC Bank of Baroda Rupay Credit Card also gives you access to usage everywhere and anytime. With this, you can make your rail travel even more affordable, besides deriving rewards and offers in other arenas, i.e., fuel surcharge discounts, shopping rewards special discounts on Dining.

IRCTC Bank of Baroda Rupay Credit Card is suitable for those who use Indian Railways frequently and want to save money without sacrificing control over spending. IRCTC Bank of Baroda Rupay Credit Card gives you more benefits at a lower annual fee, and therefore it is a budget-friendly and easy credit card.

Frequently Asked Questions (FAQ’s)