IRCTC BOBCARD
BOBCARD (Bank of Baroda) · Open to apply
A RuPay co-brand card with IRCTC: up to 10% back in IRCTC travel points on train tickets booked on IRCTC's site and app, 2 points per ₹100 elsewhere, no 1% railway fee, 4 railway lounge visits a year, for ₹500 to join and ₹350 a year.
- Annual fee
- ₹350 + GST a year
- Joining fee
- ₹500 + GST
- Base rate
- 2 points per ₹100 on other spends: 2 BOBCARD Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Railway: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Extra 20 points per ₹100 on hotels booked on BOBCARD SmartDeal: 20 BOBCARD Reward Points per ₹100 on top of the base rate (about 5% at cash value)
- 16 points per ₹100 on train tickets on the IRCTC website and app (40 in peak travel windows): 16 BOBCARD Reward Points per ₹100 (about 4% at cash value)
- Extra 8 points per ₹100 on flights booked on BOBCARD SmartDeal: 8 BOBCARD Reward Points per ₹100 on top of the base rate (about 2% at cash value)
- 4 points per ₹100 at department stores (MCC 5311): 4 BOBCARD Reward Points per ₹100 (about 1% at cash value)
Earns nothing on
- No points on fuel (MCCs 5172, 5541, 5542, 5983)
- No points on rent (MCC 6513)
- No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No points on wallet loads (MCCs 6539 to 6543)
- No points on insurance (MCCs 5960, 6300)
- No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
- No points on toll and road fees (MCC 4784)
- No points on fast food (MCC 5814), taken to include Swiggy and Zomato
Terms the calculator does not value
- On train tickets booked on IRCTC the page gives 40 points per ₹100 (10% back) for travel dates 15 Jan to 31 Mar and 15 Jul to 15 Sep; the calculator cannot vary a rate by travel date, so only the 16-point rate (4%) is entered.
- Points earned on IRCTC bookings may be redeemed as IRCTC travel points (4 points = 1 travel point) as well as cashback.
- The annexure excludes passenger railways (MCC 4112) from points; the product page gives the IRCTC card points on IRCTC bookings, so the exclusion is not entered for IRCTC.
- Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
- Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.
Sources
- BOBCARD IRCTC product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- IRCTC RuPay BOBCARD welcome letter (loyalty number, IRCTC reward points) (Partner's page, the bank's own, read 6 Nov 2026)
- RuPay IRCTC BOBCARD railway lounge programme (Partner's page, the bank's own, read 6 Nov 2026)