IRCTC BoB RuPay Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

1000 Bonus Reward Points will be given to you as a welcome benefit. You will earn 4 Reward Points for every Rs. 100 spent on grocery & departmental store purchases. You will earn 2 Reward Points for every Rs. 100 spent on other categories. You can earn up to 40 Reward Points for every Rs. 100 spent on train bookings through the IRCTC website and mobile application. By getting an add-on card, you can enjoy additional benefits. You will receive 4 complimentary partner railway lounge access per year.

The IRCTC BoB RuPay Credit Card is a fantastic option for travel enthusiasts.

With a joining fee of just Rs. 500 + GST and a renewal fee of Rs. 350 + GST, it offers great value for money.

One of the standout features of this card is its reward system.

It earns Reward Points, allowing you to earn 4 Reward Points per Rs. 100 spent on grocery and departmental stores, and 2 Reward Points on all other categories.

Additionally, you can earn up to 40 Reward Points for every Rs. 100 spent on railway tickets booked through IRCTC.

As a welcome benefit, you can receive 1000 Bonus Reward Points when you spend Rs. 1000 through a single transaction within the first 45 days of receiving the card.

This is a great incentive to start using the card right away.

For travelers, the IRCTC BoB RuPay Credit Card provides access to complimentary partner railway lounges.

You can enjoy 4 complimentary access to domestic railway lounges annually, with one access available every quarter.

The card also offers insurance benefits, including coverage for lost or stolen cards.

This provides peace of mind and added security for cardholders.

While the IRCTC BoB RuPay Credit Card is ideal for travelers, it may not be the best choice for those looking for benefits in categories such as movie dining or international lounges, as these features are not available.

In terms of financial considerations, the card has a foreign currency markup of 3.5% on all foreign transactions.

The interest rate stands at 3.49% per month or 41.88% annually.

However, the card does offer a 1% waiver on fuel surcharges at all fuel stations in India.

If you need cash advances, the card charges a fee of 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Overall, the IRCTC BoB RuPay Credit Card is a solid choice for travelers who frequent railway stations and want to earn rewards on their purchases.

With its affordable fees and valuable benefits, it is definitely worth considering.