Cards / Bank of Baroda (BOBCARD)

Bank of Baroda (BOBCARD)BOBCARD IRCTC Credit Card

BOBCARD IRCTC Credit Card Credit Card

Bank of Baroda (BOBCARD) · with IRCTC · Travel

Reviewed by Chandan Kumar Dash

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Joining fee

₹500

Annual fee

₹350

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

Offers on this card now

• Shopping
  AJIO

  10% instant discount up to ₹1,000 on AJIO

  Minimum order ₹3,000. No code needed.

  Ends 24 OctBank's terms

• Food
  Swiggy

  10% off up to ₹100 on Swiggy food orders

  Minimum order ₹499. Fridays, Saturdays and Sundays only, once a month per user. Use code BOBCARD100.

  Ends 27 DecBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 16 points per ₹100 on AC and chair-car tickets on IRCTC (40 in peak travel windows)
• 4 points per ₹100 at department stores (up to 1,000 points a month)
• 2 points per ₹100

No rewards on education, fuel, groceries, insurance, rent, wallet loads.

Points

BOBCARD Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 21 to 65
• Salaried: income of ₹3,60,000 a year or more
• Self-employed: income of ₹4,80,000 a year or more

Bank of Baroda customers: ₹3 lakh salaried, ₹3.6 lakh self-employed. Four railway lounge visits a year (one a quarter)

Published minimums. Approval is the bank's decision. See every card you qualify for.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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