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BOBCARD Irctc Credit Card

BOBCARD

Irctc Credit Card — card image from the issuer's official page

Annual / renewal fee

Annual Fee payable from the next year onwards to keep the IRCTC Loyalty Account active.

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Earn rate

  • Up to 40 Reward Points per ₹100 for ticket bookings on IRCTC Website & Mobile App (on linking Loyalty Number).
  • 2 Reward Points per ₹100 spent on other categories including IRCTC train ticket purchases.

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View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-15
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.

Overview

Irctc Credit Card by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Joining Fee levied in the first statement (activates IRCTC Loyalty Number).

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Annual / renewal fee

Annual Fee payable from the next year onwards to keep the IRCTC Loyalty Account active.

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Fee waiver

Confirm on the official page

Official source not yet captured

Renewal fee

₹350 (annual fee, no waiver criteria).

VerifiedIrctc Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:17 PM ISTBOBCARD

Rewards

  • Up to 40 Reward Points per ₹100 for ticket bookings on IRCTC Website & Mobile App (on linking Loyalty Number).
  • 2 Reward Points per ₹100 spent on other categories including IRCTC train ticket purchases.

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Redemption value

  • All accrued Reward Points can only be redeemed as cashback in the statement @ 1 Reward Point = ₹0.25.
  • Reward Points credited within 60 days of eligible transaction.
  • (For IRCTC conversion: 4 BoB Reward Points = 1 IRCTC Travel Point.).

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Reward cap

Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle (on accelerated IRCTC earn).

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Reward exclusion

  • Reward Points are not awarded where the train for which the ticket is booked is cancelled.
  • Points can be accumulated only once per rail journey per cardholder regardless of number of seats purchased.
  • If payment is made from any other credit card, no Loyalty Points accrual.

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Travel & lounge

Lounge access

  • 4 complimentary railway lounge visits per calendar year (1 per quarter) at participating IRCTC Executive Lounges: Agra Cantonment (Platform 1), Jaipur (Platform 1), New Delhi (Platform 1 & Platform 16), Kalupur/Ahmedabad (Platform 1), Sealdah/Kolkata (Platform 1).
  • A non-refundable authorization of ₹2 is taken on the card for validation.

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Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Earn 1000 bonus reward points by making a single transaction of ₹1000 or more within 45 days of card issuance.
  • Plus complimentary Access.IRCTC Credit Card unlocking an extra 1000 bonus reward points.

VerifiedIrctc Credit Card product page3 Aug 2026, 4:15 AM ISTBOBCARD

Insurance

Insurance feature is NOT available for the IRCTC credit card.

VerifiedIrctc Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:17 PM ISTBOBCARD

Milestone benefit

Convert purchases greater than ₹2,500 on the card into Smart EMIs of 6 to 48 months.

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Eligibility

Eligibility

  • Unique IRCTC Loyalty Number is generated only for the Primary Cardholder.
  • Only the Primary Cardholder is eligible for IRCTC Reward Points accrual (not Add-on Cardholder).
  • Cardholder must be one of the travellers listed on the railway ticket to earn points.

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Charges & interest

Forex markup

Foreign Currency Transaction Fee: 3.5% of transaction amount (IRCTC falls under 'All other credit cards').

VerifiedIrctc Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:17 PM ISTBOBCARD

Charge

Lounge access validation: a non-refundable authorization of ₹2 will be taken on the card and charged to the Credit Card account.

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Interest-free period

20 to 50 days in case there is no previous outstanding.

VerifiedIrctc Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:17 PM ISTBOBCARD

Transfers

Transfer rule

  • Link your IRCTC BOBCARD Loyalty Number (11-digit number embossed below Cardholder Name) with your irctc.co.in login to convert points.
  • Loyalty Number activated upon payment of Joining Fee levied in first statement.
  • For Loyalty Account to remain active, cardholder must pay the IRCTC BOBCARD Annual Fee from the next year onwards.

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Common questions

What is the annual fee on the Irctc Credit Card?

Officially traced: Annual Fee payable from the next year onwards to keep the IRCTC Loyalty Account active.

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What is the joining fee on the Irctc Credit Card?

Officially traced: Joining Fee levied in the first statement (activates IRCTC Loyalty Number).

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How does the Irctc Credit Card earn rewards?

Up to 40 Reward Points per Rs. 100 for ticket bookings on IRCTC Website & Mobile App (on linking Loyalty Number).

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What lounge access does the Irctc Credit Card include?

4 complimentary railway lounge visits per calendar year (1 per quarter) at participating IRCTC Executive Lounges: Agra Cantonment (Platform 1), Jaipur (Platform 1), New Delhi (Platform 1 & Platform 16), Kalupur/Ahmedabad (Platform 1).

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What welcome benefit does the Irctc Credit Card offer?

Earn 1000 bonus reward points by making a single transaction of Rs. 1000 or more within 45 days of card issuance.

Irctc Credit Card product page

What are the transfer ratios for Irctc Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageharvested from product pageharvested from product pageIrctc Credit Card (fleet document) — governing document (side-door search)

Official terms

https://online.bobcard.co.in/assets/BOBCARD_MITS.pdf.

VerifiedIrctc Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:09 AM ISTBOBCARD

Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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