IRCTC BoB RuPay Credit Card

In a joint effort with the Indian Railways Catering and Tourism Corporation (IRCTC), the Bank of Baroda has introduced a co-branded credit card known as the IRCTC BoB RuPay Credit Card. Specifically tailored to cater to the needs of frequent Indian Railways travelers, this collaboration is poised to bring advantages to all Bank of Baroda customers opting for rail travel. With an initial joining fee of Rs. 500, this card provides a diverse range of rewards and perks for its users. Beyond travel-related benefits, the card extends its advantages to include discounts on grocery purchases, fuel expenses, and more.

Key Highlights of IRCTC BoB RuPay Credit Card

  1. Enjoy a welcome benefit of 1000 Bonus Reward Points upon joining.
  2. Earn 4 Reward Points for every Rs. 100 spent on grocery and departmental store purchases.
  3. Earn 2 Reward Points for every Rs. 100 spent on purchases in other categories.
  4. Earn up to 40 Reward Points for every Rs. 100 spent on train bookings through the IRCTC website and mobile application.
  5. Unlock additional benefits by getting an add-on card.
  6. Receive 4 complimentary partner railway lounge access per year.

Features and Benefits of IRCTC BoB RuPay Credit Card

The IRCTC BoB RuPay Credit Card offers several features and benefits:

Earning Reward Points:

1. Train Bookings via IRCTC:

Earn up to 40 reward points per Rs. 100 spent on train bookings through the IRCTC website or mobile app.
Linking BoB Rupay IRCTC Credit Card loyalty number with IRCTC login ID is necessary for eligibility.*

2. Bonus Points:

  • Receive 4 reward points for every Rs. 100 spent on grocery and departmental stores.
  • Get 2 reward points for every Rs. 100 spent on other categories.
  • Enjoy 1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance.

Additional Benefits:

1. Railway Lounge Access:

2. Transaction Charge Waiver:

  • Benefit from a 1% transaction charge waiver on booking tickets via the IRCTC website or mobile app.

3. Fuel Surcharge Waiver:

  • Enjoy a 1% fuel surcharge waiver on all fuel transactions ranging from Rs. 500 to Rs. 3,000 (maximum waiver of Rs. 100 per statement).

4. EMI Conversion:

  • Convert purchases of Rs. 2,500 or above into easy EMIs of 6/36 months.

5. Free Add-on Cards:

  • Obtain up to 3 lifetime free add-on cards for your spouse, parents, siblings, or kids (above 18 years).

6. Zero Credit Card Lost Liability:

  • Report the loss of your card immediately to ensure zero liability on any fraudulent transactions.

IRCTC BoB RuPay Credit Card Fees and Charges

Explore the fee structure for the IRCTC BoB RuPay Credit Card and discover the financial advantages that come with it.

  1. The IRCTC BoB RuPay Credit Card has a joining fee of Rs. 500.
  2. An annual fee of Rs. 350 is applicable for the IRCTC BoB RuPay Credit Card.
  3. For foreign transactions, the IRCTC BoB RuPay Credit Card imposes a 3.5% foreign markup fee.
  4. A financial charge of 3.49% per month (equivalent to 41.88% annually) is applied to the outstanding balance on the card.
  5. Cash advances on the IRCTC BoB RuPay Credit Card incur a fee of 2.5% of the transaction amount or Rs. 500, whichever is higher.

Eligibility Criteria for IRCTC BoB RuPay Credit Card

Here are essential criteria for applying for an IRCTC BoB RuPay Credit Card:

  1. Age eligibility: Applicants must fall within the age range of 21 to 65 years.
  2. Salaried income requirement: Salaried individuals need to have an income exceeding Rs. 3.60 Lakhs.
  3. Self-employed income requirement: Self-employed individuals should have an income exceeding Rs. 4.80 Lakhs.
  4. Credit score criterion: Applicants must possess a credit score of 750 or higher to meet the eligibility criteria.

Documents Required for IRCTC BoB RuPay Credit Card

To apply for the IRCTC BoB RuPay Credit Card, you will typically need to provide the following documents:

  1. Provide a photocopy of your PAN card.
  2. Submit your latest bank statements covering the past 3 months if you are a salaried individual.
  3. If you are self-employed, furnish your latest Income Tax Return (ITR).
  4. Present a document as proof of your current residence.
  5. If you are a salaried employee, include your Company ID Card.
  6. Include one recent passport-size photograph in your submission.

How To Apply for IRCTC BoB RuPay Credit Card?

Follow these steps to apply for the IRCTC BoB RuPay Credit Card online and offline:

Online Mode:

  1. Navigate to the Bank of Baroda’s official website.
  2. Access the ‘Credit Cards’ section.
  3. Choose the ‘IRCTC BoB RuPay Credit Card’ and initiate the application process by clicking on ‘Apply Now.’
  4. Complete the application form and submit the necessary documents.

Offline Mode:

  1. Visit the nearest Bank of Baroda branch to apply offline.
  2. Bring all required documents with you.
  3. Fill out the provided application form at the branch.

Frequently Asked Questions (FAQs) –

1. What is the IRCTC BoB RuPay Credit Card?

The IRCTC BoB RuPay Credit Card is a specialized credit card offered by Bank of Baroda in collaboration with IRCTC, designed to provide benefits and rewards for railway travel enthusiasts.

2. How can I apply for the IRCTC BoB RuPay Credit Card online?

Visit the official Bank of Baroda website, go to the ‘Credit Cards’ section, select the ‘IRCTC BoB RuPay Credit Card,’ and click on ‘Apply Now.’ Fill in the application form and submit the required documents.

3. What documents are needed for the online application?

Generally, you would need identity proof, address proof, income proof, and passport-sized photographs. Specific document requirements may vary, so check the application form for details.

4. Is there an offline application option for the IRCTC BoB RuPay Credit Card?

Yes, you can apply offline by visiting the nearest Bank of Baroda branch. Fill out the application form available at the branch and submit the required documents.

5. What are the key features of the IRCTC BoB RuPay Credit Card?

Features may include rewards on railway spending, discounts on ticket bookings, cashback, and other benefits. Refer to the card details or contact Bank of Baroda for specific features.

6. Are there any annual fees associated with the IRCTC BoB RuPay Credit Card?

Check the terms and conditions or contact Bank of Baroda for information on annual fees, joining fees, and any other applicable charges.

7. How can I check the status of my IRCTC BoB RuPay Credit Card application?

You can track the status of your application online through the Bank of Baroda website or contact the customer service helpline for assistance.

8. What rewards and benefits come with the IRCTC BoB RuPay Credit Card?

Rewards may include points on railway spending, discounts on IRCTC bookings, and other privileges. Review the card details or contact Bank of Baroda for specific reward details.

9. Can I use the IRCTC BoB RuPay Credit Card for non-railway transactions?

Yes, the card is typically designed for general use as well, allowing you to make purchases beyond railway transactions.

10. How can I reach customer support for queries related to the IRCTC BoB RuPay Credit Card?

Contact the BOB credit card customer care service helpline or visit the nearest branch for assistance with any queries or concerns related to the IRCTC BoB RuPay Credit Card.