Bank of Baroda
IRCTC BOBCARD RuPay Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹350 + GST
- Reward rate0.5% base, up to 1% on groceries; 4% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹350 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
01IRCTC BOBCARD RuPay Credit Card Rewards and Benefits
02IRCTC BOBCARD RuPay Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹350 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 1%₹50
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,500 a year₹125
- Annual fee with 18% GST−₹413
- In your pocket each year₹1,087
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at IRCTC railway ticket bookings: 4% back
- Groceries: 1% back, up to ₹250 a month
- Flyers: some airport lounge visits a year
Skip it if…
- you spend less than ₹7,000 a month: below that the ₹413 fee costs more than the rewards
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you rarely spend on IRCTC railway ticket bookings: the 4% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How IRCTC BOBCARD RuPay Credit Card earns Rewards
0.5% base, up to 1% on groceries; 4% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 1% | ₹250 | All merchants in the categoryTerms: 4 reward points per ₹100 (~1%) on departmental stores, capped at 1,000 points a month (~₹250) |
| Travel: flights, hotels, trains | 0.5% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 4% | No cap | Only at: IRCTC railway ticket bookings (irctc.co.in / IRCTC Rail Connect app), AC/CC/EC classesTerms: 16 RP/₹100 (~4%) standard on IRCTC AC/CC/EC train tickets; up to 40 RP/₹100 (~10%) only in promo windows 15 Jan-31 Mar & 15 Jul-15 Sep. SmartDeal, 8 RP/₹100 (~2%) flights, 20 RP/₹100 (~5%) hotels |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 0.5% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 (~0.5% at ₹0.25/point) on other spends, including UPI
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05IRCTC BOBCARD RuPay Credit Card Travel Benefits
Railway lounges: 4 visits a year. Up to 4 complimentary railway lounge visits a year (max 1 per quarter). Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement, fuel spends earn no reward points
06IRCTC BOBCARD RuPay Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹30,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of Baroda | None | 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000) |
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.25% per month (39% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | Lower / no fixed minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utility bills | Core reward points restored on utility bills |
| 1 Jan 2025 | Reduced: Processing fees added on wallet-load and utility spendsSource: Bank of Baroda | No processing fee on wallet loads or utility payments | 1% on wallet loads; 1% (max ₹3,000) on utility payments >= ₹50,000 |
See this card's change history → · All card changes in April 2026 →
08Cards Similar to IRCTC BOBCARD RuPay Credit Card
IRCTC BOBCARD RuPay Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IRCTC BOBCARD RuPay Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹350 + GST | Lifetime free | Lifetime free |
| Rewards | 0.5% base, up to 1% on groceries; 4% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the IRCTC BOBCARD RuPay Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IRCTC BOBCARD RuPay Credit Card?
The annual fee is ₹350 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
