Bank of Baroda
BOB IRCTC Credit Card
This is an invite only card
Apply and get ₹540 Rewards
Top Benefits
Earn Up to 40 Reward Points per ₹100
on Train Tickets booked on the IRCTC website and app savings of up to 10% capped at 1,000 Reward Points per statement cycle
Enjoy 4 Complimentary Railway Lounge
Visits per quarter at IRCTC Executive Lounges with no quarterly spend condition
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹413 ( ₹350 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Earn up to 40 Reward Points per ₹100 on train tickets booked on the IRCTC website and mobile app 40 Reward Points per ₹100 for travel dates 15 Jan – 31 Mar and 15 Jul – 15 Sep
- 16 Reward Points per ₹100 for travel dates 1 Apr – 14 Jul and 16 Sep – 14 Jan, on 1AC/2AC/3AC/CC/EC bookings
- up to 1% cashback on IRCTC transaction charges
- 4 complimentary railway lounge visits per calendar year 1 per quarter
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Reward Points are redeemed as cashback and adjusted against the card account
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Agriculture
Transportation
Rent
Civic Services
Legal
Government Services
Education
Hospital
Wallet Loads
Supermarket
Retail Stores
Insurance
Charity
For Spends Waiver
Fuel
Agriculture
Transportation
Rent
Civic Services
Legal
Government Services
Education
Hospital
Wallet Loads
Supermarket
Retail Stores
Insurance
Charity
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge No railway booking surcharge is charged on this card. Per the MITC, the 1% processing fee | Not Applicable |
Rent Payment Fees A surcharge fee of 1.00% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2.00% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹250 is levied for every cash payment made towards the credit card outstanding | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹540 Rewards
Top Benefits
Earn Up to 40 Reward Points per ₹100
on Train Tickets booked on the IRCTC website and app savings of up to 10% capped at 1,000 Reward Points per statement cycle
Enjoy 4 Complimentary Railway Lounge
Visits per quarter at IRCTC Executive Lounges with no quarterly spend condition
The smartest way to find your great credit card
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