TravelEntryRuPay✦ Indian Railway Catering & Tourism Corporation (IRCTC)

IRCTC BOBCARD

Rail rewards with lounge access and steady cashback

Annual fee₹350

Rewards2 reward points per ₹100 on other categories

Forex markup3.5%

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Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Welcome benefits

worth ₹125

500 joining bonus reward points

Type: Reward Points
Trigger: Spend ₹5,000 within 60 days

Rewards

Base earn rate

2 reward points per ₹100 on other categories

BoB Reward Points

Excludes: Fuel, Select MCCs

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

• Minimum redemption: 1000 points

Lounge access

Domestic

4visits / year

International

Not included

Railway lounge access — Included

Make every journey memory-worthy with 4 complimentary access per year (1 per quarter) at partner railway lounges. Applicable for Primary Cardholder only.

Fees & charges

Joining fee: ₹500 joining
Annual / renewal fee: ₹350 annual fees
Add-on card fee: up to 3 lifetime free add-on cards
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹3000 txns, max ₹100/cycle
Duplicate statement: ₹25

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹100 – ₹500	₹100
₹501 – ₹1,000	₹400
₹1,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹950
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Insurance covers

Fraud liability

Report loss of card immediately to ensure zero liability on any fraudulent transactions.

Eligibility

Income (salaried): For Salaried Non BoB Customers Minimum Net Annual Income is ₹3.6 Lakh. For Self-employed Non BoB Customers Minimum Net Annual Income is ₹4.8 Lakh. For Salaried BoB Customers Minimum Net Annual Income is ₹3 Lakh. For Self-employed BoB Customers Minimum Net Annual Income is ₹3.6 Lakh.
Income (self-employed): ₹3.6L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

Recent Passport size photograph (with clear / white background & without dark / tinted glass)
PAN Card
Aadhaar Card (both side)
Voter ID Card issued by election commission of India
Passport
Driving Licence
Job Card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of the name & address
Bank Statement reflecting salary credit for last 2 months (Salaried)
Bank Statement (pdf file format) reflecting business transactions for last 3 months (Self-Employed)