Bank of Baroda IRCTC BOBCARD Credit Card Review

Travel card with lounge access

The Bank of Baroda IRCTC BOBCARD has a ₹500 joining fee and ₹350 annual fee + GST, waived on ₹50,000 annual spend. It earns 0.5% back on regular spends and up to 10% on irctc, with 4 domestic airport lounge visits a year. Best for: frequent irctc train travellers — our verdict: consider.

Vyaya Team · Jun 2026

5 min read

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Value Score

8.0 / 10

Annual Fee

₹350

Best For

Frequent train traveller, Budget commuter

Network

RuPay

Expert Verdict

A niche rail card with a high 20x earn on IRCTC and complimentary railway plus airport lounge access at a low Rs.350 fee. The tight 250-point monthly IRCTC cap and ~0.5% base earn keep its value modest outside frequent train travel.

BANK OF BARODARuPay

Bank of Baroda IRCTC BOBCARD

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REWARD SUMMARY

0.5% Base Rewards
Travel card with lounge access

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The Bottom Line

The Bank of Baroda IRCTC BOBCARD is built for frequent train traveller and budget commuter. With a ₹350 annual fee that is waived on ₹50,000 yearly spend, it offers 10% rewards on irctc (travel) and 1,000 bonus points. It makes the most sense if your spending matches frequent train traveller and budget commuter.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Frequent train traveller, Budget commuter. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.

What we like

+Heavy rail focus with up to 20x earn of 40 Reward Points per Rs.100 on IRCTC bookings (cap 250 points/month), worth ~10% at 0.25/point.

+Solid base earn of 2 Reward Points per Rs.100 plus 2x (4 points per Rs.100) on groceries, capped at 1,000 points/month.

+Low Rs.350 annual fee, with 4 complimentary domestic airport lounge visits plus 4 railway lounge accesses (1 per quarter) a year.

+Smart EMI on transactions of Rs.2,500+ (tenures 6-48 months) and up to 3 lifetime-free add-on cards.

What we don't

–The 20x IRCTC accelerated rate is capped at just 250 points a month, sharply limiting the rail bonus.

–Base earn at 0.25/point is about 0.5%, modest outside the rail and grocery categories.

–High 3.5% foreign currency markup.

–No annual fee waiver milestone, and rewards exclude fuel plus select MCCs.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Frequent train traveller

Regular IRCTC users who book rail tickets often and value railway lounge access alongside the high 20x IRCTC earn.

Budget commuter

Low-income users (Rs.3.6 lakh+) wanting a cheap Rs.350 travel card with both airport and railway lounge visits.

Probably not for

Skip

–

Heavy rail spender

The 250-point monthly cap on IRCTC bookings means high rail spenders quickly exhaust the bonus.

–

International traveller

A 3.5% forex markup and no international lounge access make it poor for overseas travel.

Is It Worth It For You?

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Reward Rates

Bank of Baroda IRCTC BOBCARD offers 0.5% basic reward rate.

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Where

Amount

₹

IRCTC (Travel)

10%

IRCTC (Travel)

Grocery

Welcome Offer

1,000 Reward Points

1000 bonus Reward Points on a single transaction of Rs.1,000 or more within 45 days of card issuance. Additionally, 500 joining bonus Reward Points on spends of Rs.5,000 or more within 60 days of card issuance.

Value: ₹250

Fees & Charges

Joining fee₹500

Annual fee₹350

Fee waiverSpend > ₹50,000

Eligibility

Min Income: ₹4.8 Lakhs
Min Credit Score: 700
Age 21-65; min annual income ₹3.6L salaried, ₹4.8L SE; RuPay network; for frequent IRCTC train travelers.

Exclusions & Terms

Forex markup

Foreign currency markup

Frequently Asked Questions

8 data-backed answers from our card database

What is the annual fee of the Bank of Baroda IRCTC BOBCARD credit card?+

The Bank of Baroda IRCTC BOBCARD has a ₹500 joining fee and ₹350 annual fee + GST, waived on ₹50,000 annual spend.

What rewards does the Bank of Baroda IRCTC BOBCARD credit card give?+

It earns 2 Reward Points per ₹100 spent (about 0.5% back), and up to 10% on irctc.

Does the Bank of Baroda IRCTC BOBCARD credit card offer airport lounge access?+

Yes — 4 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the Bank of Baroda IRCTC BOBCARD credit card?+

Minimum annual income of about ₹4.8 lakh and a credit score of 700+. Age 21-65; min annual income ₹3.6L salaried, ₹4.8L SE; RuPay network; for frequent IRCTC train travelers.

What is the forex markup on the Bank of Baroda IRCTC BOBCARD?+

3.5% + GST on international transactions.

What is the welcome benefit on the Bank of Baroda IRCTC BOBCARD?+

How can I get the Bank of Baroda IRCTC BOBCARD annual fee waived?+

Spend ₹50,000 or more in a card year and the ₹350 renewal fee is waived.

Is the Bank of Baroda IRCTC BOBCARD credit card worth it?+

Ready to apply?

₹350 annual fee. Apply on the Bank of Baroda website.

Apply on Bank of Baroda →

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