BOBCARD IRCTC Credit Card

Joining fee

₹500 to join.

Annual fee

₹350 a year.

Fee waiver rule

Spend based annual fee waiver is not applicable

Add-on card fee

Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Welcome benefit

Avail 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 spent on other categories, including train ticket purchases on IRCTC Website and Mobile App

Fuel earning

Fuel transactions don’t accrue/ earn any reward points.

Groceries earning

Supermarket and convenience store: Cardholder will not earn any Reward points.

Travel earning

Up to 40 reward points per ₹100 spent on train ticket bookings through the IRCTC website and mobile app · 16 Reward Points per ₹100 for Travel dates between 1 April — 14 July and 16 Sep – 14 Jan

Reward exclusions

Reward program is not applicable on select MCCs and Fuel

Reward caps

Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle

What one reward unit is worth

Each BoB Reward Point is worth ₹0.25; 4 BoB Reward Points equal 1 IRCTC Travel Point.

Cashback redemption

All accrued Reward Points can only be redeemed as cashback in the statement @ 1 Reward Point = ₹0.25

Redeeming points for travel

A ticket worth ₹1000 on the IRCTC platform needs Reward Points worth minimum ₹1000 or more; redemption is allowed only if the cardholder accessed the IRCTC Website/App through his own login

Point expiry

Reward Points are valid only for 2 years from the date of accumulation

Hotel or travel programme

4 complimentary access per year (1 per quarter) at partner railway lounges.

Fuel surcharge waiver

Travel cost-effectively with a 1% fuel surcharge waived off on all fuel transactions between ₹500-₹3000 (Maximum waiver of ₹100 per statement).

Surcharge on railway tickets

Up to 1% cashback credited to the statement against the transaction charges on the booking fare, when the primary cardholder books on the IRCTC website or mobile app

Insurance benefit

Insurance feature is NOT available for the IRCTC credit card.

Lost card liability

Zero liability on the lost card.

Add-on card eligibility

Add-on cards can be issued to family members above 18 years of age.

Purchase to EMI conversion

Convert purchases of more than ₹2,500 into Smart EMIs of 6 to 48 months.

Forex markup

3.5% on foreign currency transactions.3.5% of transaction amount

Cash advance fee

2.5% of the withdrawn amount or ₹500 whichever is higher.

Cash advance interest

Cash withdrawal transactions carry a service charge from the date of transaction till the date of full payment

Cash withdrawal limit

Cash withdrawal limit is part of the credit limit and is set at the sole discretion of the bank, including for add-on cardholders

Interest on unpaid balance

3.75% per month i.e. 45% per annum.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

Over-limit fee

2.5% of the amount over and above the sanctioned credit limit or ₹600, whichever is higher.

Payment return or dishonour fee

Cheque return: 2% of the payment amount subject to min of ₹500. Auto Debit/SI bounce: 2% of the payment amount subject to min of ₹500, applicable only once per Statement cycle per card & only in case Auto debit/Standing instruction fails due to insufficient balance in the Customer’s Account

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

₹100 per card

Cash payment / cash deposit fee

₹250 for every Cash payment.

Cheque payment / dishonour fee

₹100 for every Cheque payment.

Education / school fee charge

1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)

Reward redemption fee

No Fee

Wallet load charge

1% processing fees will be levied on Wallet loading Transactions.

What the card's fee or benefit year means

Card Anniversary year is considered from the Card issuance date

Fuel transaction fee

1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.

Rent transaction fee

A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

Utility transaction fee

1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

GST note

GST at 18% applicable on all fees, interest and other charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Income requirement

A valid income source

Minimum age

For Salaried: 21 to 60 years (Primary Cardholder), For Self employed: 24 to 65 years.

Documents required

Recent passport size photograph and PAN Card; for salaried, bank statement reflecting salary credit for last 2 months.

Residency

Indian resident