{"id":85594,"date":"2026-03-11T15:12:01","date_gmt":"2026-03-11T09:42:01","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85594"},"modified":"2026-03-11T15:12:05","modified_gmt":"2026-03-11T09:42:05","slug":"bob-irctc-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-irctc-credit-card\/","title":{"rendered":"Travel Across India with the Smart BOB IRCTC Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 40 reward points per \u20b9100 on train bookings.<\/li>\n\n\n\n<li>Pay a \u20b9500 joining fee and a \u20b9350 annual fee.<\/li>\n\n\n\n<li>Get 500 bonus reward points after spending \u20b95,000.<\/li>\n\n\n\n<li>Receive 4 complimentary railway lounge visits yearly.<\/li>\n\n\n\n<li>Save up to 1% on IRCTC transaction charges.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The BOB IRCTC Credit Card suits travellers who often book train tickets across India.<\/p>\n\n\n\n<p>Cardholders can earn up to 40 reward points per \u20b9100 spent on bookings through the IRCTC website or mobile app after linking the BOBCARD loyalty number with the IRCTC login ID.<\/p>\n\n\n\n<p>Users also receive up to 1% savings on transaction charges. The card has a very low joining fee of \u20b9500 and an annual fee of \u20b9350, which makes it suitable for regular train travellers.<\/p>\n\n\n\n<p>Keep reading this article to learn more about this card!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#bob-irctc-credit-card-benefits\">BOB IRCTC Credit Card Benefits<\/a><\/li><li><a href=\"#points-to-remember-about-irctc-bobcard\">Points To Remember About IRCTC BOBCARD<\/a><\/li><li><a href=\"#bank-of-baroda-irctc-credit-card-general-features\">Bank of Baroda IRCTC Credit Card General Features<\/a><\/li><li><a href=\"#bob-irctc-credit-card-charges\">BOB IRCTC Credit Card Charges<\/a><\/li><li><a href=\"#bob-irctc-credit-card-eligibility\">BOB IRCTC Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-irctc-credit-card-benefits\"><strong>BOB IRCTC Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Smart-BoB-IRCTC-Benefits-1024x683.png\" alt=\"BOB IRCTC Credit Card Benefits\" class=\"wp-image-85596\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Smart-BoB-IRCTC-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Smart-BoB-IRCTC-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Smart-BoB-IRCTC-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Smart-BoB-IRCTC-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Smart-BoB-IRCTC-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>You begin by receiving 500 bonus reward points after spending \u20b95,000 within 60 days from card issue. This welcome benefit helps users begin reward collection early.<\/p>\n\n\n\n<p>The card also provides reward earnings plus travel savings that support frequent train travellers, along with the following benefits:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Extra Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 2 reward points per \u20b9100 spent across eligible categories, including train ticket bookings through the IRCTC website or mobile app.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Accelerated Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders earn 4 reward points per \u20b9100 spent at departmental stores. Other routine eligible purchases earn 2 reward points per \u20b9100.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Railway Lounge Access<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Receive 4 complimentary railway lounge visits each year, with 1 visit per quarter. This benefit improves comfort during train travel.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Enjoy a 1% fuel surcharge waiver on transactions between \u20b9500 and \u20b93,000. The maximum benefit stays \u20b9100 per statement cycle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"points-to-remember-about-irctc-bobcard\"><strong>Points To Remember About IRCTC BOBCARD<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward redemption through the BOB IRCTC Credit Card login on the IRCTC website requires a \u20b91,000 reward value for a \u20b91,000 ticket purchase.<\/li>\n\n\n\n<li>You earn 40 reward points per \u20b9100 on eligible train bookings for travel between 15 Jan\u201331 Mar and 15 Jul\u201315 Sep.<\/li>\n\n\n\n<li>While if you travel between 1 Apr\u201314 Jul and 16 Sep\u201314 Jan on 1AC, 2AC, 3AC, CC, or EC classes, you earn 16 reward points per \u20b9100.<\/li>\n\n\n\n<li>Cardholders receive up to 1% cashback on IRCTC transaction charges for eligible bookings through the <a href=\"https:\/\/www.irctc.co.in\/nget\/train-search\" target=\"_blank\" rel=\"noopener\">IRCTC website<\/a> or mobile app.<\/li>\n\n\n\n<li>Reward benefits apply only to the primary cardholder&#8217;s fare when the primary cardholder travels on the ticket.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Understanding reward rules helps you use the card better. Paying bills on time keeps card usage smooth. Pay credit card bills easily with <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a>. Select your card, enter details, then complete payment in a few simple steps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-irctc-credit-card-general-features\"><strong>Bank of Baroda IRCTC Credit Card General Features<\/strong><\/h2>\n\n\n\n<p>Here are the general features of the <strong>Bank of Baroda IRCTC credit card<\/strong>:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Zero Liability on Lost Cards:<\/strong> The card provides zero liability on lost cards if the loss is reported without delay, which protects users from unauthorised transactions.<\/li>\n\n\n\n<li><strong>Smart EMI Plans:<\/strong> Cardholders can convert purchases above \u20b92,500 into smart EMI plans with repayment periods from 6 to 48 months.<\/li>\n\n\n\n<li><strong>Free Add-ons:<\/strong> Users can also get up to 3 lifetime free add-on cards for spouse, parents, siblings, or children above 18 years of age.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-irctc-credit-card-charges\"><strong>BOB IRCTC Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The <strong>BOB IRCTC Credit Card<\/strong> charges include a finance charge of 3.25% per month or 39% per year, along with several <a href=\"https:\/\/online.bobcard.co.in\/assets\/BOBCARD_MITS.pdf\" target=\"_blank\" rel=\"noopener\">standard charges<\/a> that cardholders should review carefully:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9600<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than \u20b9100: NIL\u20b9100 &#8211; \u20b9500: \u20b9100\u20b9501 &#8211; \u20b91000: \u20b9400\u20b91001- \u20b910,000: \u20b9750\u20b910,001 &#8211; \u20b925,000: \u20b9950\u20b925,001 &#8211; \u20b950,000: \u20b91100More than \u20b950,000: \u20b91300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-irctc-credit-card-eligibility\"><strong>BOB IRCTC Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Applicants must be Indian residents to qualify. Salaried individuals must fall between 21 and 60 years, while self-employed applicants must fall between 24 and 65 years.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income Criteria<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Customer Type<\/strong><\/td><td><strong>Applicant Type<\/strong><\/td><td><strong>Minimum Annual Income<\/strong><\/td><\/tr><tr><td>BOB Customer<\/td><td>Salaried<\/td><td>\u20b93 Lakhs<\/td><\/tr><tr><td>BOB Customer<\/td><td>Self-Employed<\/td><td>\u20b93.6 Lakhs<\/td><\/tr><tr><td>Non-BOB Customer<\/td><td>Salaried<\/td><td>\u20b93.6 Lakhs<\/td><\/tr><tr><td>Non-BOB Customer<\/td><td>Self-Employed<\/td><td>\u20b94.8 Lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Now that you know that you are eligible for this card, install the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> on your smartphone. Manage multiple credit card bills with the Pice App. Get reminders and instant payment status for a simple payment experience.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>4 BoB reward points equal 1 IRCTC travel point, while 1 BoB reward point equals \u20b90.25 in value.<\/li>\n\n\n\n<li>Travel points credit 5 days after journey completion if the ticket stays active without cancellation.<\/li>\n\n\n\n<li>Maximum 1,000 BoB reward points or 250 IRCTC travel points allowed per statement cycle.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773221827625\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I apply for a BOB IRCTC Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can complete the application online in 3 simple steps, including form fill-up, Aadhaar e-sign, and a video KYC. You may also apply through customer support or a Bank of Baroda branch.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773221843479\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can the IRCTC BOBCARD be linked with mobile wallets?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The card supports major UPI apps such as BHIM, Google Pay, PhonePe, and Paytm. Cardholders can make secure payments with up to 50 days of interest-free credit on transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773221864806\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What income documents are required for the application?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Salaried applicants must provide recent salary slips plus 2 months&#8217; bank statements. Self-employed applicants need ITR or 3 months&#8217; bank statements. Existing cardholders can submit a recent credit card statement.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773221880312\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can I change the credit card billing cycle?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Billing cycles may fall on 1st, 7th, 13th, 16th, 18th, or 25th of a month. Cardholders get a one-time option to request a billing cycle change through customer support.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773221895456\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can purchases convert into Smart EMI?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Log in through the BOBCARD portal or mobile app to request EMI conversion. Select eligible transactions plus choose a tenure between 6 and 48 months before submitting the request.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The BOB IRCTC Credit Card suits travellers who often book train tickets across India. Cardholders can earn up to 40 reward points per \u20b9100 spent on bookings through the IRCTC website or mobile app after linking the BOBCARD loyalty number with the IRCTC login ID. Users also receive up to 1% savings on [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85595,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85594"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85594\/revisions"}],"predecessor-version":[{"id":85597,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85594\/revisions\/85597"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85595"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}