IRCTC BOB Credit Card

Teaming up with Indian Railways Catering and Tourism Corporation (IRCTC), Bank of Baroda introduces the IRCTC BoB RuPay Credit Card. Tailored for frequent Indian Railways travelers, this collaboration brings extensive perks to BoB customers who choose rail transport. With a Rs. 500 joining fee, the card extends rewards not only for travel but also for groceries, fuel, and more. Experience a multitude of advantages with this co-branded credit card designed to cater to diverse needs.

Key Highlights of IRCTC BOB Credit Card

Unlock unparalleled benefits with the IRCTC BOB Credit Card.

  1. Earn 4 reward points for every Rs.100 spent on grocery and departmental stores.
  2. Gain 2 reward points for every Rs.100 spent on all other transactions.
  3. Enjoy a 1% fuel surcharge waiver on all fuel purchases across India.

Features and Benefits of IRCTC BOB Credit Card

The IRCTC BOB Credit Card offers several features and benefits:

1. Reward Points:

  • Earn up to 40 points per Rs. 100 on IRCTC transactions.
  • 4 points per Rs. 100 on groceries, 2 points on other spends.
  • Bonus: 1,000 points on Rs. 1,000+ transaction within 45 days.

2. Other Benefits:

  • Railway Lounge Access: Enjoy 4 complimentary visits per year.
  • Transaction Charge Waiver: 1% off on IRCTC bookings.
  • Fuel Surcharge Waiver: 1% off on fuel transactions (Rs. 500-3,000).
  • EMI Conversion: Convert Rs. 2,500+ purchases into 6/36-month EMIs.
  • Free Add-on Cards: Get up to 3 lifetime free cards for family.
  • Zero Liability: Report card loss promptly for zero fraud liability.

IRCTC BOB Credit Card Fees and Charges

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

  1. Spend-Based Waiver: No applicable charges based on spending.
  2. Rewards Redemption Fee: There is no fee for redeeming rewards.
  3. Foreign Currency Markup: A 3.5% charge on all foreign transactions.
  4. Interest Rates: Monthly interest rate of 3.49% (annual rate of 41.88%).
  5. Fuel Surcharge: Enjoy a 1% waiver on fuel transactions at all Indian stations.
  6. Cash Advance Charges: 2.5% of the withdrawn amount or Rs. 500.
  7. Add-on Card Fee: No fee for adding supplementary cards.

Eligibility Criteria for IRCTC BOB Credit Card

Here are essential criteria for applying for an IRCTC BOB Credit Card:

  1. Indian residents eligible
  2. Salaried individuals require a minimum income of ₹3.6 L
  3. Self-employed individuals need a minimum income of ₹4.8 L
  4. Primary cardholders must be aged between 21 and 65
  5. Add-on cardholders must be at least 18 years old

Documents Required for IRCTC BOB Credit Card

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

  1. Copy of PAN card
  2. Income documents (Salaried: Latest salary credit statement; Self-Employed: Current FY ITR)
  3. Company ID card or visiting card
  4. Proof of current address
  5. One recent passport-size photograph

How to apply for IRCTC BOB Credit Card

Follow these steps to apply for the IRCTC BOB Credit Card online:

  1. Go to https://www.bobfinancial.com/irctc-card.jsp and select “Apply now.”
  2. Fill out the card application form on the redirected webpage.
  3. Input personal details like name, date of birth, and phone number.
  4. Click “Enter” after completing the form.
  5. Share income details and continue with the application.
  6. Attach required documents as specified.
  7. Electronically sign the application (E-sign).
  8. Submit the completed application for processing.

Frequently Asked Questions (FAQs)

Q1: What is the IRCTC BOB Credit Card?

A1: The IRCTC BOB Credit Card is a co-branded credit card offered by the Indian Railway Catering and Tourism Corporation (IRCTC) in collaboration with Bank of Baroda (BOB). This credit card is designed to provide benefits and rewards for railway and travel-related expenses.

Q2: How can I apply for the IRCTC BOB Credit Card?

A2: You can apply for the IRCTC BOB Credit Card through the official website of Bank of Baroda or by visiting a BOB branch. The application process typically involves submitting the required documents and meeting the eligibility criteria set by the bank.

Q3: What are the key features of the IRCTC BOB Credit Card?

A3: The key features of the IRCTC BOB Credit Card include accelerated reward points on railway bookings, discounts on ticket purchases through the IRCTC website, and additional benefits such as fuel surcharge waivers and dining discounts.

Q4: Can I earn rewards on non-railway expenses with the IRCTC BOB Credit Card?

A4: Yes, in addition to railway-related expenses, the IRCTC BOB Credit Card allows you to earn rewards on various other categories, such as dining, shopping, and fuel transactions. The rewards program may vary, and specific details can be found in the card’s terms and conditions.

Q5: Are there any annual fees associated with the IRCTC BOB Credit Card?

A5: Credit card fees, including annual fees, are subject to the bank’s policies. It is advisable to check the official website of Bank of Baroda or contact their customer service for the most up-to-date information on fees and charges associated with the IRCTC BOB Credit Card.

Q6: How do I redeem the reward points earned with the IRCTC BOB Credit Card?

A6: The redemption process for reward points typically involves logging into the credit card account through the bank’s online portal. You can then navigate to the rewards section to view available redemption options, which may include gift vouchers, merchandise, or statement credits.

Q7: Is there a welcome bonus offered with the IRCTC BOB Credit Card?

A7: Welcome bonuses are subject to change, and specific details can be obtained from the bank’s official communication or the terms and conditions associated with the credit card. It’s advisable to check for any ongoing promotions or introductory offers at the time of application.

Q8: How can I check my IRCTC BOB Credit Card statement online?

A8: You can view and download your credit card statements by logging into the Bank of Baroda’s online banking portal. The statements typically provide a detailed overview of your transactions, outstanding balance, available credit limit, and other relevant information.

Q9: What benefits does the IRCTC BOB Credit Card offer for railway ticket bookings?

A9: The IRCTC BOB Credit Card provides benefits such as cashback or reward points on railway ticket bookings made through the IRCTC website. The specific details of these benefits may vary, and it’s recommended to review the card’s terms and conditions for accurate information.

Q10: How can I contact customer support for the IRCTC BOB Credit Card?

A10: You can contact the customer support of Bank of Baroda for any queries related to the IRCTC BOB Credit Card. Contact information, including phone numbers and email addresses, is usually available on the bank’s official website.