IRCTC BOBCARD Credit Card

BOBCARD · ₹350 a year

A card for regular train travellers.

Base rate: 0.5% as Reward Point.

What the bank says

• Up to 40 reward points per ₹100 on IRCTC tickets with a linked IRCTC loyalty number
• 4 points per ₹100 at department stores
• 2 points per ₹100 on the rest
• 4 railway lounge visits a year

Things that catch people out

• The IRCTC rate depends on linking your IRCTC loyalty number and is not in our figure.

Joining fee: ₹500. Foreign currency markup: not published.

Read from BOBCARD’s own page on 2026-09-16.

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