Question 1

What is the IRCTC Credit Card?

Accepted Answer

IRCTC BOBCARD is a co-branded credit card by BOBCARD Limited and Indian Railway Catering & Tourism Corporation (IRCTC). It has been specially designed so you get to board a wholesome experience of travelling by train with smart savings on your train tickets booked via IRCTC app & website.

Question 2

Who can apply for the IRCTC Credit Card?

Accepted Answer

Any Indian resident between the ages of 21 to 65 years with a valid income source can apply as a primary cardholder. Add-on cards can be issued to family members above 18 years of age. For exact criteria, refer to top section 'Application Guidelines'.

Question 3

How can I apply for the IRCTC Credit Card?

Accepted Answer

You can apply online here in just 3 simple steps: 1. Fill out the application form details. 2. Complete e-signing with your Aadhaar. 3. Verify your identity through Video KYC. Alternatively, you can reach out to customer support or visit any Bank of Baroda branch to initiate the application process. Once approved, your card will be delivered to your registered address.

Question 4

What documents are required to apply for the IRCTC Credit Card?

Accepted Answer

You will need: Proof of Identity: PAN card and recent passport-size photograph. Proof of Address: Aadhaar card, passport, voter ID, driving license, utility bills, or rent agreement. Proof of Income: Salaried: Latest salary slips with bank statements (last 2 months). Self-Employed: Last 3 months' business bank statements / ITR. Existing Credit Card users: Latest card statement. For exact criteria, refer to top section 'Application Guidelines'.

Question 5

Is there an age limit to apply for the IRCTC Credit Card?

Accepted Answer

Yes, the primary cardholder must be 21 to 65 years old. Add-on cardholders must be 18 years or older. For exact criteria, refer to top section 'Application Guidelines'.

Question 6

What are the benefits of the IRCTC BOBCARD Credit Card?

Accepted Answer

Up to 40 Reward Points per ₹100 on train ticket bookings through IRCTC website & app (on select dates/classes). 1% savings on transaction charges when booking tickets on IRCTC. 4 complimentary Railway Lounge accesses per year (1 per quarter). Up to 4 Reward Points per ₹100 on departmental stores, 2 Reward Points on other spends. 500 welcome reward points on your first transaction of ₹5000 or more (within 60 days). 1% Fuel surcharge waiver at all petrol pumps between ₹500 to ₹3000 (Max Rs.100 per statement). Free add-on cards (up to 3 lifetime). Smart EMI options on purchases above ₹2,500, with EMI tenures of 6 to 48 months.

Question 7

What is the annual fee for the IRCTC BOBCARD Credit Card?

Accepted Answer

Joining Fee: ₹500 (one-time). Annual Fee: ₹350 (every anniversary year)

Question 8

Is there a fuel surcharge waiver with the IRCTC BOBCARD Credit Card?

Accepted Answer

Yes. Enjoy a 1% fuel surcharge waiver on transactions between ₹500–₹3,000 (maximum waiver of ₹100 per statement cycle).

Question 9

How can I redeem reward points earned on the IRCTC BOBCARD Credit Card?

Accepted Answer

You just have to link your IRCTC BOBCARD Loyalty Number with your IRCTC Login ID to earn your reward points, allowing you to save on future travel. Reward points earned can be redeemed as cashback in your monthly statement with 1 Reward Point = ₹0.25.

Question 10

Are there any limits on booking train tickets with the IRCTC BOBCARD Credit Card?

Accepted Answer

No. You can book unlimited train tickets using your IRCTC BOBCARD, subject to IRCTC's standard booking rules and transaction limits.

Question 11

Can I link my IRCTC Credit Card by BOBCARD with mobile wallets for payments?

Accepted Answer

Yes, the IRCTC Credit Card can be linked to compatible mobile wallets, allowing for secure and convenient payments. As IRCTC BOBCARD is on RuPay platform, you can link it to BHIM, Google Pay, PhonePe, Paytm, and all other UPI apps for seamless 'Cardless + Cashless' UPI payments with up to 50 days interest-free credit.

Category	Rate	Cap
Train Tickets Irctc Peak	—	—
Train Tickets Irctc Regular	—	—
Departmental Stores	—	—

Category	Rate	Cap
Train Tickets Irctc Peak	—	—
Train Tickets Irctc Regular	—	—
Departmental Stores	—	—

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