IRCTC BOBCARD
A co-branded IRCTC card: 16 or 40 points per ₹100 on AC-class train tickets booked on IRCTC depending on the travel date, 2 points per ₹100 on other eligible spends including other IRCTC tickets, points worth ₹0.25 as statement cashback, four railway lounge visits a year and a 3.5% forex markup. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹350 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Neither the ₹500 joining fee nor the ₹350 annual fee is waived on spend. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends, including train tickets on the IRCTC website and app (2 points per ₹100) | 2 points per ₹100 Product page | no cap on record |
Train tickets on IRCTC are counted at the core 2 points per ₹100, the rate BOBCARD states for them; the 16 or 40 points per ₹100 on AC-class bookings depend on the travel date, apply only to the primary cardholder's own fare and are paid as IRCTC travel points (4 BOBCARD points = 1 travel point), so they are shown as a highlight. The 4 points per ₹100 at department stores (MCC 5311, up to 1,000 points a cycle) is also a highlight. UPI payments earn only core points. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing. Points earn only on transactions of ₹100 or more and expire after two years.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement MITC
- Welcome: 500 reward points on ₹5,000 of spend in the first 60 days Product page
Also on this card
Quoted from BOBCARD; not counted in the net value.
- 40 points per ₹100 (10%) on AC-class IRCTC train tickets for travel 15 Jan-31 Mar and 15 Jul-15 Sep, 16 per ₹100 (4%) on other dates Product page
- Up to 1% of the IRCTC transaction charge credited back on train tickets booked with the card Product page
- 4 railway lounge visits a year (1 a quarter), primary cardholder Product page
- 4 points per ₹100 at department stores, up to 1,000 points a statement cycle Product page
- No 1% fee on railway bookings of ₹30,000 or more, which BOBCARD's other cards charge Terms
- Extra 8 points per ₹100 on flights and 20 per ₹100 on hotels booked through BOBCARD SmartDeal MITC
Eligibility
- Indian resident Product page
- Salaried: age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 24 or above Product page
- Self-employed: age 65 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by BOBCARD in the documents read
- the card network
- a RuPay variant for UPI
Where BOBCARD’s documents differ, and what is used
- Train tickets: BOBCARD's Annexure 1 lists passenger railways (MCC 4112) among the merchant codes that earn no reward points on any card, but the IRCTC BOBCARD page says train tickets on the IRCTC website and app earn the core 2 points per ₹100 and accelerated points. The card's own page is used.
The quotes behind the figures
33 figures, each copied from an official BOBCARD document.
Show every quote and source
“Just ₹500 joining & ₹350 annual fees.”
“Goods & Services Tax 18%”
“All other credit cards: 3.5% of transaction amount”
“All accrued Reward Points can only be redeemed as cashback in the statement @ 1 Reward Point = Rs. 0.25”
“Earn 2 Reward Points per ₹100 spent on other categories, including train ticket purchases on IRCTC Website and Mobile App**.”
“IRCTC 2 RP per ₹100”
“Fuel transactions don't accrue/ earn any reward points on any BOBCARD except HPCL Energie BOBCARD”
“Spends on special categories (MCC's) listed in annexure 1 won't qualify for accelerated or core reward points feature.”
“Table 2: Select list of MCC (Merchant Category Code) where Cardholder will not earn any Reward points/ Loyalty benefits.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet”
“Supermarket and convenience store, Variety Stores, Retail Store Insurance Charity Fast food restaurants”
“IRCTC ₹ 500 NIL”
“IRCTC ₹ 350 NIL”
“Travel wherever your heart desires with up to 40 reward points* per ₹100 spent on train ticket bookings through the IRCTC website and mobile app**.”
“IRCTC BOBCARD Departmental store: 5311 1000 Reward points”
“^^Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle.”
“You can redeem your accrued reward points at 1RP = ₹0.25.”
“Rewards Redemption Fees No Fee”
“Minimum reward points required for redemption against Card statement is 1000 Reward Points”
“UPI transactions are eligible only for core Reward Points. UPI transactions do not qualify for bonus rewards.”
“Reward Points are valid only for 2 years from the date of accumulation”
“Travel cost-effectively with a 1% fuel surcharge waived# off on all fuel transactions between ₹500-₹3000 (Maximum waiver of ₹100 per statement).”
“IRCTC Cobrand Credit Card: 1% of fuel transaction amount surcharge waived for fuel transactions between ₹500 to ₹3000 (subject to maximum of ₹100 per statement)”
“Avail 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance.”
“**40 Reward Points per ₹100 for Travel dates between 15 Jan - 31 Mar and 15 July - 15 Sep. 16 Reward Points per ₹100 for Travel dates between 1 April -14 July and 16 Sep - 14 Jan valid on 1AC, 2AC, 3AC, CC or EC class bookings .”
“^If the Primary Cardholder books a ticket on IRCTC Website or Mobile App using his/her IRCTC BOBCARD, Customer is eligible to get up to 1% cashback credited to the statement against the transaction charges on the booking fare.”
“Make every journey memory-worthy with 4 complimentary access per year (1 per quarter) at partner railway lounges°.”
“Add value to your shopping cart by stocking up on the best products with 4 Reward Points per ₹100 spent on departmental store purchases.”
“All BOBCARD variants except IRCTC 1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher.”
“IRCTC 8 points for every Rs.100 20 points for every Rs.100”
“Indian Resident”
“For Salaried : 21 to 60 years (Primary Cardholder), For Self employed : 24 to 65 years”
“Don't let the travel charges give you a setback in your pursuit of success. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology