IRCTC BOBCARD
BOBCARD Limited
A second IRCTC-branded card alongside SBI's version — narrower benefit, lower fee.
₹500
Joining fee
₹350
Annual fee
3.5%
Forex markup
3.8 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 620+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried: Rs 3.6 lakh p.a. (Rs 3 lakh for existing BOBCARD customers). Self-employed: Rs 4.8 lakh p.a. (Rs 3.6 lakh for existing customers).
Lounge access
4 railway visits per year
Key features
- Up to 10% savings on train tickets
- 500 welcome points
Reward details
2 points per Rs 100 on all other spends
- 40 points per Rs 100 on IRCTC website/app bookings, 15 Jan-31 Mar and 15 Jul-15 Sep
- 16 points per Rs 100 on IRCTC website/app bookings, 1 Apr-14 Jul and 16 Sep-14 Jan (select travel classes only)
- 4 points per Rs 100 on Departmental stores — Rs 1,000/month
- 8 points per Rs 100 on Flight bookings
- 20 points per Rs 100 on Hotel bookings
Redemption
Two redemption paths available.
Ratio: 1 point = Rs 0.25 cashback, OR 4 points = 1 IRCTC Travel Point (separate IRCTC-specific redemption currency)
- Transaction surcharge waiver on IRCTC bookings.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Up to 10% effective value-back on IRCTC bookings during peak-rate windows; railway lounge access; a transaction surcharge waiver on IRCTC bookings. — Paisabazaar
Complaints
- Low cash redemption value (Rs 0.25/point); the variable 4-10% effective cashback depending on booking dates seen as confusing; no annual fee waiver option. — Paisabazaar
Sources
- Aggregator — fees, eligibility, lounge, rewards, sentiment
- Official (blocked when last checked) — none — robots.txt error