BOB IRCTC Credit Card
Smart Analysis
Fee Waiver Logic
If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.
Redemption
- Reward Points are redeemed as cashback and adjusted against the card account
All Card Benefits
Detailed reward structure and cashback analysis
Earn Up to 40 Reward Points per ₹100
on Train Tickets booked on the IRCTC website and app savings of up to 10% capped at 1,000 Reward Points per statement cycle
Earn Up to 40 Reward Points per ₹100
on Train Tickets booked on the IRCTC website and app savings of up to 10% capped at 1,000 Reward Points per statement cycle
Earn 4 Reward Points per ₹100 at Departmental Stores
capped at 1,000 Reward Points per statement cycle, on top of 2 Reward Points per ₹100 on all other eligible categories
Enjoy 4 Complimentary Railway Lounge
Visits per quarter at IRCTC Executive Lounges with no quarterly spend condition
Enjoy 4 Complimentary Railway Lounge
Visits per quarter at IRCTC Executive Lounges with no quarterly spend condition
| Age Criteria | 21-60 years |
| Salaried Income | ₹3 LPA |
| Self Employed Income | ₹3.6 LPA |
| CRIF Score | 720+ |
| Income Comment |