IRCTC RuPay BOBCARD Credit Card: Features & Apply

Table of Contents

Summary

Launched by Bank of Baroda in collaboration with IRCTC, the specifically designed credit card known as RuPay BOBCARD Credit Card is meant for those who often travel by train. For daily commuters, it is a wise decision since it offers travel advantages, together with daily savings. First of all, the card provides up to 1.8% cashback on IRCTC website or app train ticket bookings. Every time you travel, you therefore save money.

The card also pays users points on regular purchases such as groceries, eating, and gasoline. Later on, these points might be used for gifts, discounts, or even extra travel incentives. Apart from that, users benefit from a 1% fuel surcharge waiver, therefore reducing their car running costs. The free admission to four times a year railway lounges—which provide additional comfort on long travels—also has great advantages.

Moreover, the card supports contactless payments, therefore enabling quick and safe purchases. Since the RuPay network drives it, it may also be connected with UPI apps like PhonePe and Paytm, therefore simplifying digital payments. Besides, the low annual fees and joining costs make it a reasonably cheap choice. Should your annual expenditure meet the required level, your annual charge might perhaps be waived.

Introduction

In the fast-paced world of today, when savings and convenience coexist, your daily life can be much impacted by the credit card you use. The IRCTC RuPay BOBCARD Credit Card offers a unique mix of financial and travel benefits, especially for those who take regular trains. Designed by the Bank of Baroda in cooperation with IRCTC (Indian Railway Catering and Tourism Corporation), this credit card is particularly aimed at making your train travels more pleasurable and relatively cost-effective.

This card, first of all, features unique tools designed for Indian Railway passengers. Apart from saving money on rail ticket bookings, it offers different refunds and reward points on many types of expenses. It also operates on the RuPay network, which ensures excellent security and wide acceptance over many Indian sites. Whether you are planning a rail ticket, shopping online, or visiting your neighbourhood grocery store, this card thus offers you further benefits.

Apart from the travel benefits, the RuPay BOBCARD Credit Card stresses consumer comfort as well. Every time you use the card, for example, you could earn reward points that could later be utilised for great discounts. Free access to train lounges, dining savings, and fuel surcharge waivers helps to further enhance the complete travel experience. Aside from that, no complex surgeries are needed. Any qualified Indian national will find applying for and starting to use the card simple and quick.

Moreover, this card would be ideal for frugal travellers. Low rates and cost-saving tools let users enjoy good services without draining their finances. This card offers frequent rail users more value, unlike regular credit cards, which might not have any specific travel-related bonuses. Moreover, a user-friendly website and mobile app let you keep current with your incentives and expenditures, ensuring your ongoing financial control.

What is the IRCTC RuPay BOBCARD Credit Card?

Launched by Bank of Baroda in association with IRCTC (Indian Railway Catering and Tourism Corporation), the particular kind of credit card is the IRCTC RuPay BOBCARD Credit Card. It is intended mostly for those who use trains for regular travel. When you book rail tickets via the IRCTC website or app, this card offers extra benefits and discounts, unlike ordinary credit cards. Furthermore, running on the RuPay payment network is India’s own safe and dependable card system.

Apart from the advantages of rail travel, this credit card provides reward points on daily expenses, including shopping, dining, and gasoline. Later on, these points might be used for discounts or other offers. Users also have access to railway lounges, which provide even more luxury while on transit. Additionally, there is a fuel surcharge waiver, which saves money every time you pump diesel or gasoline.

How is the design of the IRCTC RuPay BOBCARD Credit Card?

The RuPay BOBCARD Credit Card from the IRCTC boasts an arresting and innovative design. The card first strikes as modern and professional, with a clean layout that prominently displays RuPay, Bank of Baroda, and IRCTC trademarks. Usually, with a railway-themed design stressing its proximity to train travel, the backdrop reflects this. Moreover, the card has a luxury feel and look from its glossy coating.

Apart from its look, the card is contactless-activated; therefore, you may just tap it on the machine to make quick and safe payments. This makes bill paying or shopping much easier. Additionally, attractively printed and easily readable are important details, including your name, card number, and expiration date.

What are the benefits of the IRCTC RuPay BOBCARD Credit Card?

Let us now individually consider the main benefits.

1. Train Ticket Booking Discount

First of all, when you book train tickets using the IRCTC website or mobile app, this card entitles you to up to 1.8%. Every time you arrange a train trip, you save money.

2. Reward Points Regarding Daily Expenses

Furthermore, every time you use the card, you get reward points. You score points, for instance, in areas including restaurants, grocery stores, gasoline, and more for spending in categories. Later redemption of these points entitles one to amazing prizes or discounts.

3. Wavering Fuel Surcharge

Apart from shopping benefits, the card grants a 1% fuel surcharge waiver at Indian petrol stations. You can save money even while you fill your car.

4. Free Train Lounge Entry

Besides, you have four free admissions to railway lounges annually. This implies, without paying additional fees, you can unwind in several railway lounges while waiting for your train.

5. Contactless Payment Function

Additionally supported by the card are contactless payments, which let you just tap and pay at shops. Your payments, therefore, get faster and safer.

6. Reasonable Annual Charges

The inexpensive joining and annual cost is yet another wonderful advantage. Furthermore, if you spend at least a minimal amount annually, the annual fee could be removed.

7. Reliable RuPay Network

Given that the RuPay network powers the card, it guarantees quick and safe transactions, especially inside India. It also facilitates credit card payments based on UPI.

What are the fees for the IRCTC RuPay BOBCARD Credit Card?

Here is a simple breakdown of the IRCTC RuPay BOBCARD Credit Card fee.

Joining Fee	₹500 + GST
Annual Fee	₹350 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.49% per month (41.88 % annually) is applied to 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IRCTC RuPay BOBCARD Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get an IRCTC RuPay BOBCARD Credit Card?

The documents that you will have to submit to get the IRCTC RuPay BOBCARD Credit Card are as follows:

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 employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IRCTC RuPay BOBCARD Credit Card be used?

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

With the IRCTC RuPay BOBCARD 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 and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

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 and 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 RuPay BOBCARD Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The IRCTC RuPay BOBCARD Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IRCTC RuPay BOBCARD Credit Card?

The credit amount you can spend is what you are provided with when you have an IRCTC RuPay BOBCARD 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 only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to follow your expenses and not exceed the credit limit, as exceeding this limit results in additional penalties and a decrease in your credit score.

How do you apply for the IRCTC RuPay BOBCARD 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 Bank of Baroda; for instance, you can choose the IRCTC RuPay BOBCARD Credit Card.

Simply hover your cursor over the IRCTC RuPay BOBCARD Credit Card and select ‘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 you submit 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 BOBCARD Credit Card.

Request the credit card application form for the IRCTC RuPay BOBCARD Credit Card. They will provide you with the form and proceed accordingly.

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

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

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 RuPay BOBCARD Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions in the envelope through the Bank of Baroda Card website, mobile app, or 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 RuPay BOBCARD Credit Card in 2025 be the right choice?

Obtaining the IRCTC RuPay BOBCARD Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

Bank of Baroda is also a strong bank with high customer service, making it a dependable choice. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

All things considered, the IRCTC RuPay BOBCARD Credit Card is a travel-friendly, well-designed credit card with several advantages for its consumers. This card allows you several reasons to apply, whether your daily expenses call for rewards or you regularly take trains. Every element—from cashback on IRCTC train bookings to free access to railway lounges—is designed to offer comfort, savings, and convenience.

Besides, it’s not restricted to a train ride. Grocery shopping, dining, and utility bills—all of which generate reward points—can later be used for fantastic discounts. Furthermore, the fuel surcharge waiver lets you save money at petrol stations, hence it’s a terrific choice for people who drive as well.

Running on the RuPay network, India’s own safe and trustworthy payment system, adds still another significant advantage. This is why the card allows UPI-based credit card payments, a quick and contemporary method of bill payment made with mobile apps. The card also has a contactless payment function, so you may just tap to pay at several retailers without scanning or card insertion. In public, especially, this guarantees hygiene and safety in addition to saving time.