Bank of Baroda IRCTC Credit Card — Complete Guide 2025
Updated: 2025 — Benefits, eligibility, fees, reward rates, how to apply, loyalty linking & lounge access explained
What is the IRCTC BOBCARD?
The IRCTC RuPay BOBCARD (BOB IRCTC Credit Card) is a cobranded credit card designed for frequent railway travellers. It offers accelerated rewards on train ticket bookings made via the IRCTC website & mobile app, plus travel-related benefits like lounge access, reward redemptions and cashback on transaction charges for supported MCCs.
Key Benefits at a glance
- Up to 40 BoB Reward Points per ₹100 on IRCTC train ticket bookings during select travel windows (see T&Cs).
- Cashback on transaction charges (up to 1% on eligible IRCTC transaction charges when booking via IRCTC with linked loyalty number).
- Welcome bonus: 500 joining bonus reward points on qualifying spends (example: spend ₹5,000 within 60 days after issuance).
- Complimentary lounge access: 4 railway lounge visits per calendar year (1 per quarter) at participating IRCTC lounges.
- Reward redemption: BoB Reward Points convert to IRCTC Travel Points (4 BoB Reward Points = 1 IRCTC Travel Point). 1 BoB Reward Point = ₹0.25 (value used internally for conversions).
Joining & Annual Fee
| Item | Amount |
|---|---|
| Joining fee | ₹500 (one-time) |
| Annual fee | ₹350 (yearly) |
Reward Rates (summary)
- 40 BoB Reward Points / ₹100 for select travel dates (e.g., high-season windows such as 15 Jan–31 Mar and 15 Jul–15 Sep) on IRCTC bookings—check exact T&Cs for date ranges and classes.
- 16 BoB Reward Points / ₹100 for other travel date ranges (applies to 1AC, 2AC, 3AC, CC or EC class bookings).
- Reward Points credited within ~60 days of eligible transaction (subject to T&Cs).
- Maximum per statement cycle: 1000 BoB Reward Points (equivalent to 250 IRCTC Travel Points) — confirm limits in the latest T&Cs.
Eligibility Criteria
- Indian Resident
- Primary Cardholder age: Salaried 21–60 years; Self-employed 24–65 years
- Add-on Cardholder: Above 18 years
- Minimum Net Annual Income (varies):
- Salaried Non-BOB customers: ₹3.6 Lakh
- Self-employed Non-BOB customers: ₹4.8 Lakh
- Salaried BOB customers: ₹3.0 Lakh
- Self-employed BOB customers: ₹3.6 Lakh
Documents Required (Mandatory proof)
- Recent passport-size photograph (white/clear background)
- PAN Card
- Permanent Address Proof – any one: Aadhaar (both sides), Voter ID, Passport, Driving Licence, etc.
- If present address differs from permanent address: additional proof (utility bill, rent agreement, property tax receipt, PPO, employer letter, etc.)
- Income proof: Salary credit bank statements (last 2 months) or salary slips; self-employed: bank statements showing business transactions (last 3 months)
How to Apply (simple steps)
- Visit the official Bank of Baroda website or Bank Buddy India website.
- Fill the online application form and complete e-sign / Video KYC (if available).
- Upload required documents and complete verification.
- Pay the joining fee (if applicable) — joining fee often debited in the first statement and activates loyalty number.
- On approval, receive card via post and check your 11-digit IRCTC Loyalty Number (embossed or communicated).
How to link your IRCTC Loyalty Number (quick)
- Login to irctc.co.in with your IRCTC account.
- Under the Loyalty tab choose Add Loyalty Account.
- Enter the 11-digit Loyalty Number printed on your BOBCARD -> Send OTP -> Enter OTP -> Click Add Loyalty Account.
- Use the same email & mobile number in both BOBCARD profile & IRCTC profile to avoid mismatch issues.
Complimentary Railway Lounge Access
BOB IRCTC (RuPay) customers can get 4 complimentary railway lounge visits per calendar year (1 per quarter) at participating IRCTC executive lounges. Lounge access rules (first-come-first-serve, validation charges, ID matching, limited stay) apply — check the specific lounge list and T&Cs before travel.
Important Terms & Conditions (high level)
- Reward Points are credited only if the Primary Cardholder is one of the travellers on the booked ticket and uses the linked Loyalty Number at time of booking.
- Reward Points not awarded for cancelled tickets.
- UPI transactions eligible only for core Reward Points; bonus rewards may not apply.
- Revenue sharing may exist between BOBCARD and cobrand partners — this influences offers, fees & promos.
- Always read the latest BOBCARD T&Cs and IRCTC loyalty rules before relying on offers.
Pros & Cons — Quick Summary
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Note: Product features, fees and reward rates change over time. Always check the official BOBCARD and IRCTC pages or contact BOBCARD customer care before applying. BOBCARD toll-free/help: 1800-103-1006 or 1800-266-5100/7100 .
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Apply NowDisclaimer: This article is for information only. The author is not associated with Bank of Baroda or IRCTC. Always verify the latest terms on the official websites.
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Frequently Asked Questions
The BOB IRCTC Credit Card is a co-branded card by Bank of Baroda and IRCTC that offers rewards, cashback, and benefits on railway ticket bookings and travel spends.
You can apply online via the BOBCARD official website or visit a Bank of Baroda branch. Fill the form, upload documents, and complete KYC to get the card.
Yes, you get 4 complimentary railway lounge visits per calendar year (1 per quarter) at participating IRCTC executive lounges.
The joining fee is ₹500 (one-time) and the annual fee is ₹350. Sometimes offers waive the fee, check latest details before applying.