IRCTC BOB RuPay Credit Card
Joining Fee: ₹500 + GST
Renewal Fee: ₹350 + GST
Reward Type: Reward Points
Welcome Benefit
Bonus Points: Earn 1,000 Reward Points by making a single transaction of ₹1,000 within the first 45 days of card issuance.
Reward Benefits
Railway Ticket Booking: Up to 40 Reward Points per ₹100 spent on the IRCTC website or app.
Grocery & Departmental Stores: 4 Reward Points per ₹100 spent.
Other Categories: 2 Reward Points per ₹100 spent.
Reward Redemption
IRCTC Booking: Redeem points for railway tickets through the IRCTC website or app.
Statement Credit: Redeem points against your credit card statement, with 1 Reward Point = ₹0.25.
Ticket Surcharge Waiver
IRCTC Transactions: 1% surcharge waiver on railway ticket bookings through IRCTC.
Travel Benefits
Lounge Access: Enjoy 4 complimentary domestic railway lounge accesses per year (max 1 per quarter).
Lost Card Liability: No liability for fraudulent transactions if the card is reported lost or stolen in a timely manner.
Fuel Surcharge Waiver
Fuel Transactions: 1% surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Summary
Traveling by rail becomes even more rewarding with the IRCTC BoB RuPay Card. For a nominal fee of ₹500, you can earn 40 Reward Points on railway ticket bookings through IRCTC and save 1% on transaction surcharges. Additionally, you can convert your BoB Reward Points into IRCTC travel points by linking your credit card loyalty number with your IRCTC ID. This card not only offers travel perks but also rewards you on everyday purchases, making it an excellent choice for frequent travelers seeking valuable benefits at a reasonable cost.