M16S / Bank of Baroda / Bank of Baroda IRCTC BOBCARD
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Bank of Baroda IRCTC BOBCARD
The Bank of Baroda IRCTC BOBCARD costs Rs 350 a year. Its base return is 0.5% (2 RP per Rs 100). The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 350+ GST
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 350 |
| Fee notes | Joining fee Rs 500 and annual fee Rs 350; no spend-based waiver. |
Rewards
| Welcome benefit | 500 bonus RP on Rs 5,000+ spend within 60 days of issuance |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earn | 2 RP per Rs 100 |
| Base return | 0.5% |
| Point value | 1 RP = Rs 0.25; 4 RP = 1 IRCTC Travel Point |
| Accelerated earn | IRCTC train bookings in 1AC/2AC/3AC/CC/EC: 40 RP per Rs 100 for travel dates 15 Jan-31 Mar and 15 Jul-15 Sep, 16 RP per Rs 100 for other dates; 4 RP per Rs 100 at departmental stores |
| Caps | Other-category bonus capped at 1,000 RP (250 IRCTC Travel Points) per statement cycle |
| Spends that earn nothing | Fuel and select MCCs excluded. UPI earns core points only. Train bonus only on the primary cardholder's own fare and only if the primary cardholder is a passenger; credited 5 days after journey completion. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Reward notes | base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%. Peak-season train bookings return 10% in points, off-season 4%. |
Travel and perks
| Domestic lounge | Railway lounges: 4 per year (1 per quarter) at partner railway lounges, primary cardholder. No airport lounge access stated. |
|---|---|
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 500-3,000, cap Rs 100 per statement |
| Other freebies | Up to 1% IRCTC transaction-charge cashback on IRCTC site/app bookings. No complimentary insurance (MITC). |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Indian resident; salaried age 21-60, self-employed 24-65 |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The MITC's 1% railway-booking fee does not apply to this card. |
Questions
- What is the annual fee of the Bank of Baroda IRCTC BOBCARD?
- Rs 350 a year, before GST.
- Does the Bank of Baroda IRCTC BOBCARD give airport lounge access?
- Yes. In India: Railway lounges: 4 per year (1 per quarter) at partner railway lounges, primary cardholder. No airport lounge access stated.. Outside India: none listed.
- What is the forex markup on the Bank of Baroda IRCTC BOBCARD?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda IRCTC BOBCARD?
- Fuel and select MCCs excluded. UPI earns core points only. Train bonus only on the primary cardholder's own fare and only if the primary cardholder is a passenger; credited 5 days after journey completion.