IRCTC BoB Credit Card 2025

40 RP/₹100 IRCTC

4 Railway Lounges

4 RP Groceries

1% Transaction Waiver

Save over ₹12,000+ every year with IRCTC rewards + lounges + waivers!

Train traveler's best friend! IRCTC BoB RuPay Credit Card earns up to 40 RP/₹100 on IRCTC train bookings (link loyalty number), 4 RP/₹100 on groceries/departmental stores, 2 RP others, 4 railway lounge visits/year, 1% waiver on IRCTC transaction fee, UPI-enabled.

Perfect for frequent rail commuters!

Why Choose IRCTC BoB Card in 2025?

40 RP IRCTC • 4 railway lounges • 1% fee waiver • Fuel surcharge waiver • Welcome 500 RP

Best for: Train travelers, grocery shoppers, budget rail users

Apply Now → 40 RP IRCTC + 4 Lounges + 1% Waiver

Train Travel Card – ₹500 Annual Fee

Card At a Glance

Joining Fee
₹500 + GST

Annual Fee
₹500 + GST

Reward Rate
40 RP IRCTC | 4 RP Groceries | 2 RP Other

Lounge Access
4 Railway/Year

Forex Markup
3.5%

Fuel Waiver
1% (max ₹100/month)

Complete Fees & Charges

Particulars	Details
Joining Fee	₹500 + GST
Annual Fee	₹500 + GST
Rewards Redemption Fee	Nil
Foreign Currency Markup	3.5% + GST
Interest Rate	3.49% per month
Fuel Surcharge Waiver	1% (₹500-₹3000, max ₹100/month)
Cash Advance Fee	2.5% of amount

Detailed Reward Rates (2025)

Up to 40 RP/₹100 on IRCTC train bookings (link loyalty number)
4 RP/₹100 on groceries & departmental stores
2 RP/₹100 on all other spends
1 RP = ₹0.25 or redeem for IRCTC tickets (4 RP = 1 IRCTC point)
No expiry (2 years for IRCTC points)

Airport Lounge Access

4 complimentary railway lounges per year (Delhi, Jaipur, Agra, Ahmedabad, Kolkata)
Primary + add-on
1 per quarter

Insurance & Protection Benefits

₹10 Lakh air accident cover
Lost card liability ₹1 Lakh
1% IRCTC transaction charge waiver (up to ₹100/month)

Pros & Cons (Real User View)

Pros	Cons
High 40 RP on IRCTC	₹500 fee
4 railway lounges	3.5% forex high
1% IRCTC fee waiver	Limited lounge cities
UPI-enabled RuPay	No domestic airport lounges
Easy EMI conversion

Eligibility Criteria & Documents Required

Age: 21–65 years
Minimum Annual Income: ₹3 Lakh
Credit Score: 750+
Documents: PAN, Aadhaar, salary/ITR, bank statement

How to Apply Online (5-Minute Process)

BoB Card website → IRCTC Card
Fill personal & income details
Upload PAN + Aadhaar + income proof
Video KYC
Card in 7-10 days

Final Verdict – Should You Get It in 2025?

Rail roko! 40 RP IRCTC + 4 lounges + 1% waiver = ₹12K+ value. Top choice for daily train commuters!

Frequently Asked Questions (FAQs)

40 RP on IRCTC?

Yes, up to 40 RP/₹100 on train bookings via app/website (link loyalty).

Railway lounges?

Yes, 4 complimentary per year in select cities.

Fee waiver?

1% on IRCTC transactions, up to ₹100/month.

Welcome bonus?

500 RP on ₹5K spend in 60 days + 1000 on ₹1K in 45 days.

Apply Now – 40 RP IRCTC + 4 Lounges + 1% Waiver