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Premium Decision Grade Catalog
BANK OF BARODA
BOB IRCTC Credit Card
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Verified Catalog
Source: BANK OF BARODA Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
Co-branded travel card for IRCTC railway bookings with lounge access
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
1,000 bonus reward points as welcome benefit
Highlight 2
Up to 40 reward points per ₹100 spent on IRCTC bookings
Highlight 3
4 complimentary domestic airport lounge accesses annually
Highlight 4
1% fuel surcharge waiver on all fuel transactions
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹500
The front-loaded charge when you apply.
Annual fee
₹350
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹350100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Good for customers needing automatic EMI conversion; Limited rewards on non-EMI transactions; Annual fee waiver achievable with moderate spending"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 10,000 Air India Points
- Accelerated Rewards Program: 10% on international spends
- Other Features: Concierge services
Cons
- Base Rate: 1pt=₹0.75
- Dining: 10% discounts
- Expert Opinion: Good for customers needing automatic EMI conversion
- Limited rewards on non-EMI transactions
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Customer Reviews
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