IRCTC BOBCARD
Bank of Baroda
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Train ticket bookings on the IRCTC website and mobile app | 10% | ₹1,000/monthly |
Other eligible categories | 4% | ₹1,000/monthly |
| All other spends | 0.5% | No cap |
Redemption fee: 0
Managed via BOBCARD Rewards
Transfer partners
Live Offers
1 activeBOBCARD1000Till 29 MarBenefits
Lounge Access
1 domestic visits/quarter
0 international visits/quarter
4 complimentary RAILWAY lounge visits per calendar year — 1 per quarter. These are railway lounges, not airport lounges.
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle. Fuel earns no Reward Points.
Welcome Benefit
500 joining bonus Reward Points on spends of ₹5,000 or more within 60 days
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
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Fees & Charges
| Joining Fee | ₹500/yr |
| Renewal Fee | ₹350/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
