# IRCTC BOBCARD (RuPay)

Bank of Baroda (BOBCARD) · RuPay. ₹350 fee · 3.5% forex · 2 RP/₹100 (₹0.25/RP; 4 RP redeem for 1 IRCTC Travel Point on rail).

✓ official · checked 16 July 2026 · Source: https://media.bobcard.co.in/media/3oea22hc/bobcard-irctc_leaflet_a5_english_web.pdf

## How it earns (3)

- 2 RP/₹100 (₹0.25/RP; 4 RP redeem for 1 IRCTC Travel Point on rail) · ✓ official · checked 10 July 2026
- 16 RP/₹100 on IRCTC AC-class bookings (about 4% off-peak; 40 RP/₹100 in peak, 15 Jan to 31 Mar and 15 Jul to 15 Sep), cap 1,000 RP/statement · own fare only, credited 5 days after the journey · cap 1,000 points per statement cycle · ✓ official · checked 10 July 2026
- 2X on dept stores (4 RP/₹100) · supermarkets excluded · ✓ official · checked 10 July 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 2 RP/₹100 (₹0.25/RP; 4 RP redeem for 1 IRCTC Travel Point on rail)
- Vouchers for Blinkit, Burger King India, Bharat Petroleum (BPCL), Acko Insurance and 36 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads
- No RP: fuel, transport and tolls (except IRCTC), rent, services, govt, education, hospitals, wallet, supermarkets, insurance, charity, fast food

## Lounges (1)

- 4 railway lounge visits a year, at most 1 a quarter. Railway lounges only, not airports. · Railway lounges (partner) · domestic · 4 per year · checked 10 July 2026

## Fees

- Annual fee: ₹350 + GST
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: BOBCARD Reward Points · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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Canonical: https://getbrief.cards/cards/bob-irctc-rupay