My credit card India

IRCTC RuPay BOBCARD Credit Card – Features and Benefits

The IRCTC RuPay BOBCARD Credit Card is specially designed for persistent train travelers. You can experience rewards, benefits, and discounts while traveling by train by using this card. You get remarkable reward points on your rail ticket booking via IRCTC and while shopping for your daily needs as well. Further, the points can be redeemed to book railway tickets. Following are the detailed features of the IRCTC BoB RuPay Credit Card:-

Welcome Benefit

As a joining benefit, you get 500 bonus Reward Points on the condition that you should do transactions of ₹5,000 through your card within the first 60 days of card issuance.

Reward Benefits

• Up to 40 Reward Points per ₹100 you spend while booking railway tickets through the IRCTC website or mobile application.
• 4 Reward Points per ₹100 spent towards grocery and departmental stores.
• 2 Reward Points per ₹100 spend towards all other categories

Reward Redemption

There are 2 methods to redeem the Reward Points earned on your IRCTC RuPay BOBCARD Credit Card –

• The first is that you can redeem your reward points by booking railway tickets through the IRCTC Website or Mobile Application.
• The second way of redemption is that you can redeem these points against your credit card statement balance, where 1 RP = ₹0.25.

Travel Benefits

• You are entitled to 4 Complimentary domestic railway lounge access per year, subject to a maximum of 1 per quarter.

Zero Credit Card Lost Liability

If your IRCTC RuPay BOBCARD Credit Card is lost or stolen, then you won’t be liable for any fraudulent transaction that happened on your card if the loss of the card is reported to the bank in a timely manner.

Fuel Surcharge Waiver

Get a fuel surcharge waiver of 1% on all fuel transactions between Rs. 500 to Rs. 3,000 at fuel pumps all over India (waiver capped at Rs. 100 per statement).

Railway Surcharge Waiver

On booking a railway ticket through the IRCTC Website or Mobile Application using the IRCTC RuPay BOBCARD Credit Card, you are entitled to a transaction surcharge waiver of 1% on all transactions.

Other Benefits

The card offers many other benefits, including three add-on cards free for a lifetime, which you can provide to your family members.

IRCTC RuPay BOBCARD Credit Card: Fees and Charges

• The IRCTC RuPay BOBCARD Credit Card comes with a joining fee of Rs. 500
• This card carries an annual fee of Rs. 350
• IRCTC RuPay BOBCARD Credit Card charges 3.5% as a foreign markup fee.
• The card carries a financial charge of 3.49% p.m. (41.88% annually).
• The card charges 2.5% of the transaction amount, or Rs. 500, as the cash advance fee.

Eligibility Criteria for IRCTC RuPay BOBCARD Credit Card

Conclusion

Traveling through railways is more convenient than traveling on roadways, and when you get such exciting benefits while traveling through railways, it is just like a cherry on the cake. Earning 40 Reward Points on booking tickets through IRCTC through this card and also saving you a 1% transaction surcharge is just amazing. Also, you can convert your BOBCARD Reward points into IRCTC travel points by linking your credit card loyalty number with your IRCTC ID, which is great.

At a nominal fee of ₹500, you get all these exclusive benefits with the IRCTC RuPay BOBCARD Card. Not only on railway ticket bookings, but you also get reward points while fulfilling your daily needs. If you are a frequent traveler looking for a card that provides benefits while ticket bookings are at a decent fee, you can surely opt for this card as it offers you premium travel benefits.