IRCTC BoB Rupay Credit Card

IRCTC BoB Rupay Credit Card offers numerous benefits, such as rewards, complimentary lounge access, fuel surcharge waiver, bonus reward points and much more to its users. Here are some of the major features and benefits provided by this credit card:

Up to 40 Reward Points

You can earn up to 40 reward points via this credit card on your transactions through the IRCTC website or mobile app. Additionally, this credit card also offers bonus reward points at the time of joining. Here are the details regarding the reward points offered on this credit card:

• Up to 40 reward points per Rs. 100 spent on train bookings via IRCTC website or mobile app*
• 4 reward points for every Rs. 100 spent on grocery and departmental stores
• 2 reward points for every Rs. 100 spent on other categories
• 1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance

*Applicable on linking BoB Rupay IRCTC Credit Card loyalty number with IRCTC login id.

Other Benefits

Apart from the reward points, this credit card is also a good choice for benefits like lounge visits, transaction charge waiver and more. Below mentioned are some of the other benefits of the IRCTC BoB Rupay Credit Card:

Railway Lounge Access: Up to 4 complimentary railway lounge access every year (1 per quarter).

Transaction Charge Waiver: 1% transaction charge waiver on booking tickets via IRCTC website or mobile app.

Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions between Rs. 500 to Rs. 3,000 (maximum waiver of Rs. 100 per statement).

EMI Conversion: Convert purchase of Rs. 2,500 or above on your card into easy EMIs of 6/36 months.

Free Add-on Cards: Up to 3-lifetime free add-on cards for your spouse, parents, siblings or kids (above 18 years).

Zero Credit Card Lost Liability: Report loss of your card immediately to ensure zero liability on any fraudulent transactions.

Must read: Top Credit Cards in India for Different Categories

Below mentioned are the important fees and charges associated with this credit card:

Type of Fee or Charge	Amount
Joining Fee	Rs. 500
Annual/ Renewal Fee	Rs. 350
Finance Charges	3.49% p.m. (41.88% p.a.)
Late Payment Charges	For Statement Balance: Less than Rs. 100: Nil Between Rs. 100 to Rs. 500: Rs. 100 Between Rs. 501 to Rs. 1,000: Rs. 400 Between Rs. 1,001 to Rs. 10,000: Rs. 600 Between Rs. 10,001 to Rs. 25,000: Rs 800 Between Rs. 25,001 to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300

Click here for the detailed terms and conditions.

The applicable eligibility criteria to apply for BoB Rupay IRCTC Credit Card is mentioned in the table below:

Criteria	Details
Age Requirement	25 to 50 years
Occupation	Salaried/ Self-employed
Minimum Income Requirement for Salaried	Rs. 3.6 lakh p.a.
Minimum Income Requirement for Self-employed	Rs. 4.8 lakh p.a.
Documents Required	Click here for the list of required documents

IRCTC BoB Rupay Credit Card is a co-branded credit card that is best suited for people who frequently travel via railway. You can earn up to 40 reward points on your IRCTC bookings through this credit card and can also save yourself from a 1% transaction charge. One of the great features is that you can convert your BoB reward points into IRCTC travel points by linking your credit card loyalty number with the IRCTC id. However, the conversion rate is quite basic, as 4 BoB reward points are equivalent to 1 IRCTC travel point, which means 1 BoB reward point equals Re. 0.25.

With a basic annual fee, this credit card provides decent benefits. You can not only earn reward points but you can also avail up to 4 complimentary railway lounge access every year, which is generally not provided on credit cards with a low annual fee. Overall, this is a great option for your wallet if you make most of your bookings through IRCTC. You can apply for this card if you are looking for a credit card that offers benefits on railway bookings but don’t want to pay a high annual fee. However, this is not an ideal companion if you are looking for a credit card that offers premium travel benefits.

If you are looking for similar credit cards, you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Key Feature
IRCTC BoB Rupay Credit Card	Rs. 350	Up to 40 reward points per Rs. 100 spent on train bookings via IRCTC website or mobile app
SBI IRCTC Credit Card	Rs. 500	10% value back as reward points on booking tickets through IRCTC
HDFC Bharat Cashback Credit Card	Rs. 500	5% cashback on train ticket bookings through IRCTC website or app
MakeMyTrip ICICI Bank Platinum Credit Card	Nil	Up to 3 My Cash per Rs. 200 spent on MakeMyTrip
Kotak Royale Signature Credit Card	Rs. 999	Railway surcharge waiver on tickets booked through IRCTC website

Q. How can I apply for BoB Rupay IRCTC Credit Card?

A. You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of BoB Financial. However, if you want to apply offline, you have to visit the nearest branch of the bank to fill out the application form.

Q. What is the interest-free period offered on IRCTC BoB Rupay Credit Card?

A. The bank offers an interest-free period ranging between 20 days to 50 days. The interest-free period offered on this credit card depends upon the date of the transaction, provided there are no previous outstanding on the card.

Q. Can I withdraw cash through IRCTC BoB Rupay Credit Card?

A. Yes, you can withdraw cash via this credit card through any ATM. However, the bank will charge a cash advance fee of 2.5% of the transaction amount or a minimum of Rs. 500. Therefore, it is advisable not to withdraw cash using a credit card.

Q. What should I do if my card is lost or damaged?

A. If your credit card is lost or stolen, you should immediately inform the bank by visiting the nearest branch or by calling on the customer care number. After reporting the issue, the bank will immediately stop payments on your current card and a new card will be delivered to you within 7 days. However, you need to submit a copy of your FIR to apply for a new credit card.

Q. Can I earn 40 reward points on every booking?

A. You can earn 40 reward points on your bookings through the IRCTC website or app only after linking your loyalty number with IRCTC id. The reward points will be earned on every Rs. 100 spent on train bookings via IRCTC website and mobile app.

Q. How can I check the status of my credit card application?

A. You can check the status of your credit card application by visiting the official website of the bank. On the homepage, under the cards section, you will find an option of ‘Track your Application’. You will be asked for an application reference number, post which the bank will be able to tell you the status of your credit card.

Q. Can I apply for this credit card even if I do not pay taxes?

A. Yes, you can apply for this credit card even if you do not fall in a tax bracket that requires tax payment. However, you must meet the eligibility criteria set by the bank in order to avail this card. For IRCTC BoB Rupay Credit Card, the minimum income for salaried applicants should be Rs. 3.6 lakh p.a, whereas the same for self-employed applicants is Rs. 4.8 lakh p.a.

Q. What are the welcome benefits provided on this credit card?

A. With IRCTC BoB Rupay Credit Card, you can earn 1,000 bonus reward points on a single transaction of Rs. 1,000 or more within 45 days of card issuance. Remember, this offer can only be availed once and is not applicable at the time of renewal of credit card.