Last updated: |Data verified from official bank sources
Mid-Range
IRCTC BOB RuPay Credit Card
Bank of Baroda
Best for: Railway travelers
₹350
Annual Fee
2%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Railway travelers
Fees & Charges
Joining Fee₹500
Annual Fee₹350
Fee WaiverSpend ₹50K annually
Rewards
TypePoints
Base Rate2 pts/₹100
Effective Return2%
Accelerated Categories
IRCTC bookings10% (10%)
Lounge Access
DomesticNone
InternationalNone
Railway Lounge4/year (1/quarter)
Eligibility
Minimum Income₹3.0L/year
Welcome Benefits
Benefit1000 pts on ₹1K txn in 45 days
Estimated Value₹250
Available on: RuPay
Frequently Asked Questions
What is the annual fee for IRCTC BOB RuPay Credit Card?▼
IRCTC BOB RuPay Credit Card has an annual fee of ₹350. Spend ₹50K annually
What rewards does IRCTC BOB RuPay Credit Card offer?▼
IRCTC BOB RuPay Credit Card offers 2 pts/₹100 on all spends, with an effective value of 0.5%.
Does IRCTC BOB RuPay Credit Card have lounge access?▼
IRCTC BOB RuPay Credit Card does not include complimentary lounge access.
What is the minimum income required for IRCTC BOB RuPay Credit Card?▼
The minimum income requirement for IRCTC BOB RuPay Credit Card is ₹3.0 lakhs per annum.
Information sourced from Bank of Baroda official website. Last verified: February 2026.
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