IRCTC BoB RuPay Credit Card

The Bottom Line

Low Fee, Lower Rewards

4 reward points / ₹100 on train tickets with IRCTC, grocery & departmental stores and 2 points on all other spends.

Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-0.1%^	0.2%	0.4%	0.4%	0.5%
Est. Monthly Reward (₹)	(10)	20	70	215	470
All-India Rewards Rank*	166	202	244	281	274
Within Bank Rank*	18	19	18	17	15
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The IRCTC BoB RuPay Credit Card gives 1% effective reward on train tickets with IRCTC, grocery & departmental stores and 0.50% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.2-0.5% on spending above ₹10,000 with this card in a month.

The Snapdeal BoB Credit Card is the best card for most Bank of Baroda Card customers. It gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.

We estimate this card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	IRCTC BoB RuPay Credit Card
Card Type	Reward
Reward Features	4 Reward Points / ₹100 on: – Train Bookings on IRCTC – Grocery – Departmental Stores 2 Reward Points / ₹100 on all other spends
Milestone Rewards	Nil
Other Rewards	1 Complimentary Railway Lounge Visits / Qtr.
Rewards Redemption Fee	Nil
Reward Caps	1,000 reward points p.m.
Preferred Redemption Method	Reward Points can be redeemed as cashback @ ₹0.25/reward point

Fees & Charges

Card		IRCTC BoB RuPay Credit Card
Joining Fee		₹500 + Taxes
Annual Fee		₹350 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹3.6 Lacs p.a.
Income Criteria	Salaried	ITR>₹4.8 Lacs
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		41.88% p.a.
Foreign Currency Markup		3.49%%
Cash Advance Charge		2.50% with a minimum of ₹500