IRCTC RuPay BOBCARD Credit Card: Features, Benefits and Everything You Need to Know

How it is Different from Other Credit Cards – Get Benefits on Travel

In India, it’s obviously well beyond that – In this digital era, credit cards are not only something you use to make payments, but they have become feature-rich products that offer rewards, discounts and even lifestyle services suited on your needs. For constant travellers, irregularly frequenting the Indian Railways, the IRCTC RuPay BOBCARD Credit Card comes packed with one-of-its-kind features.

In association with IRCTC (Indian Railway Catering and Tourism Corporation) and Bank of Baroda, this credit card has been designed to provide compelling travel benefits to the users. With benefits such as cashback, reward points on train travel ticket bookings, travel offers and more, the IRCTC RuPay BOBCARD Credit Card is among the best credit cards for railways customers and travelers in India.

This post will give you a detailed understanding of the IRCTC RuPay BOBCARD Credit Card along with its features, benefits, eligibility, charges and how it compares with other travel-focused credit cards available in the market.

Summary of the IRCTC RuPay BOBCARD Credit Card

IRCTC RuPay BOBCARD Credit Card is co-branded credit card which has been launched by IRCTC in association with Bank of Baroda. The company says the card is designed to make booking tickets and hotels (along with shopping for a variety of travel-related goods and services) as easy as possible for customers, and to reward them for doing so. Whether you are buying train tickets, dining at a restaurant or buying travel accessories you’ll benefit from the extensive advantages from being an owner of this card.

Salient Features of the IRCTC RuPay BOBCARD Credit Card

Joining Fee:

The joining fee of the IRCTC RuPay BOBCARD Credit Card is quite low, compared to a number of other travel credit cards. Usually, the joining fees vary between ₹500 to ₹1000, based on either the credit limit or promotional offers.

Annual Fee:

The annual fee of the card is usually in the range of ₹500 to ₹999. But this fee might be waived based on how much you spend per year or with certain stipulations you meet, such as reaching a particular spending threshold during the first year.

Reward Points System:

The reward programme on the IRCTC RuPay BOBCARD Credit Card is pretty good. Cardholders receive Reward Points on all transactions, including booking IRCTC tickets to buying travel essentials. You get to have 2 Reward Points for ₹100 spent on railway bookings at IRCTC.

For all other spending—non-IRCTC expenses—you receive 1 Reward Point for every ₹100 spent, which can be used for discounts on future train ticket, hotel and other travel purchases.

Cashback and Discounts:

Cashback on IRCTC Train Ticket Books: This card offers a unique option. Cardholders can avail of 5% cashback on booking train tickets on the official IRCTC website or app.

Dining Offers:

The card gives you access to exclusive dining offers at select restaurants and offers discounts on your bills.

Fuel Surcharge Waiver:

Cardholders can avail a fuel surcharge waiver on fuel transactions made through the card. What this means is you will not have to pay the usual surcharge on fuel purchases at petrol outlets if you swipe your IRCTC RuPay BOBCARD Credit Card to make such payments.

Contactless Payments:

The card is enabled for contactless payments for quick and easy checkout at stores, stations and online merchants that accept contactless payments.

Perks of the IRCTC RuPay BOBCARD Credit Card

Having discussed the benefits of IRCTC RuPay BOBCARD Credit Card, let’s now delve into the details of the benefits it provides to cardholders.

Enhanced Travel Benefits

IRCTC RuPay BOBCARD Platinum First Credit Card has been especially designed for frequent users of Indian railways. Some of the best travel benefits are:

IRCTC Train Ticket Discounts:

You are also entitled to get 5% cashback on booking of train ticket from IRCTC website or mobile app. It is a fantastic way to get discounts on all of your travels, especially if you plan to travel by train frequently.

Booking Hotel Stays:

The card offers discounts at hotels booked via IRCTC website/app. This means you can save all of your accommodation money for when you get there!

Reward Points on Travel Spend:

Get 2 Reward Points per ₹100 spent on IRCTC train bookings. These points are eligible for you to use toward future travel booking – reducing your ticket price or the cost of hotels.

Cashback on Train Ticket Purchases

You earn reward points as well as cashback while booking your train tickets on the IRCTC website. Whereas, this card allows you to save money on every trip and this makes this card an ideal selection for frequent travelers.

Dining Offers

Apart from travel offers, IRCTC RuPay BOBCARD Credit Card offers Dining Privileges at its partner restaurants, which is spread across multiple Cities. You and your family or friends can then both enjoy some great discounts on food and drinks, when you eat out! These bonuses make the card even more valuable — not just for travel, but for dining and entertainment as well.

Fuel Surcharge Waiver

The fuel surcharge waiver will be an added perk for car users who are frequent travelers or depend on their car for daily commutation. You get 1% fuel surcharge waiver on fuel spends between ₹500- ₹5000 on your IRCTC RuPay BOBCARD Credit Card. This can make it possible for you to save on gas, particularly if you travel long distances.

Reward Points Redemption

The IRCTC RuPay BOBCARD Credit Card enables earning reward points and redeem them against travel expenses. You can redeem your points for:

• Train Ticket booking discounts: Redeem your points against the discount of your train tickets on IRCTC.

• Hotel Bookings: Use points to save on hotel rooms so your travel dollar goes farther.

• Other Items: Besides travel, the card also allows you to redeem your points for other merchandise and products via the relevant rewards program.

Contactless Payments for Convenience

The card is enabled with the contactless payment technology, so you can simply tap your card to pay at some of the busiest sales counters, through mobile or online. This feature adds to the convenience of the cardholder, who can then perform quick and safe transactions.

Secure Online Transactions

The IRCTC RuPay BOBCARD Credit Card comes loaded with advanced security features to provide safe and secure online transactions. This may include one-time password verification, two-factor authentication, and protection against fraud to safeguard your financial information from unauthorized usage.

Eligibility of the IRCTC RuPay BOBCARD Credit Card

Eligibility Criteria for the IRCTC RuPay BOBCARD Credit Card Before you apply for the IRCTC RuPay BOBCARD Credit Card, you should be aware of who can apply and get the credit card. The typical requirements to become eligible for this credit card include:

Age:

You should be 21 to 60 years of age.

Income:

For salaried individuals, the minimum monthly income required is ₹30,000-₹50,000. Candidates, who are self-employed are required to have a regular source of income and a good credit score.

Credit Score:

Good credit scores are required for card approval. You would ideally like to see a score of 700 or better to ensure the best chance of approval.

Fees and Charges

The IRCTC RuPay BOBCARD Credit Card like all credit cards has its fees and charges such as the:

• Joining Fee: ₹500 to ₹1,000 (depending on offers)

• Annual Fee: ₹500 to ₹999 (waiver applicable as per terms)

• Cash Withdrawal Fee: A nominal charge is carried on cash withdrawal by the card at an ATM.

• Late Fee: Applies if you do not make your minimum payment on or before the due date.

Conclusion

The IRCTC RuPay BOBCARD Credit Card is a great option for frequent travellers who book train tickets through IRCTC, many a times. Featuring an alluring cashback and reward points structure, as well as range of travel-centric benefits, this card turns travelling into a more economical and enjoyable activity. Whether it’s saving on the cost of train tickets, dining savings, or working towards rewards on your everyday spends, you can benefit from a variety of perks with this card.

With its low joining fee, free fuel surcharges, and the secure online booking you would expect from any travel membership, it's an excellent option for those who regularly travel by train or simply likes to travel in style. The IRCTC RuPay BOBCARD Credit Card is worth a ponder for those seeking to improve their traveling experience as well as make use of a variety of discounts and offers compiled for you.