Offer Truth
- Joining fee₹0
- Annual fee₹0
- Waiver thresholdNot listed
- Cap typenone
- Cap resetnone
- Last verified2026-02-12
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BoB • RuPay
IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys
Apply for the IRCTC Credit Card for train bookings. Earn rewards, enjoy exclusive travel benefits, and save on credit card IRCTC charges.
Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend
No Complimentary Lounge Access
This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.
Fee waiver & value estimator
Adjust your spend to see fee waiver eligibility and capped rewards.
Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800
Assumes base reward rate only.
Annual feeWaived
Lifetime Free
Net value₹1,800
Estimated savings per year.
Reward Rate Breakdown
Category-wise reward rates for this card
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
No clear same-bank upgrade path is currently detected for this card.
Lounge Eligibility Checklist
Policy fallback: Policy-only fallback: current public benefit copy highlights railway lounge benefits; airport-row lounge dataset is not available for this variant.
Lounge Spend Tracker
Eligibility target met: NoTrack lounge eligibility for IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys using your current period spend.
₹0 spent₹5,000 target
Policy signal used: Welcome BenefitAvail 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance.
Spend threshold
No airport-lounge spend unlock rule is listed for this IRCTC railway-focused variant.
Quarter / cycle rule
Current public benefit copy indicates 4 complimentary railway lounge visits/year (typically 1 per quarter).
Guest access
Guest lounge access is not explicitly listed for this IRCTC BOBCARD variant.
Priority Pass
Priority Pass is not listed for IRCTC BOBCARD.
Lounge Locations
No airport-wise rows currently availableAirport-level lounge rows are not currently available for this card. We still show policy checklist details above.
Redemption Optimizer Unavailable
Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
Key Benefits
- Welcome BenefitAvail 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance.
- Elevated experienceMake every journey memory-worthy with 4 complimentary access per year (1 per quarter) at partner railway lounges°. Know more
- Zero liability on the lost cardReport loss of card immediately to ensure zero liability on any fraudulent transactions.
Things to Consider
- Reward caps and exclusions apply
- Issuer terms may change
About IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys
IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys is a cashback card from BoB, best for travel & lounge access. It is tagged under lifetime free, travel categories in our database.
Lifetime FreeTravel
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Frequently asked questions
Is IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys lifetime free?
IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys is lifetime free with no annual fee.
What rewards does IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys offer?
Apply for the IRCTC Credit Card for train bookings. Earn rewards, enjoy exclusive travel benefits, and save on credit card IRCTC charges.
Does IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys include lounge access?
No complimentary lounge access is currently listed for this card.
Who should consider IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys?
Travel & lounge access
Where can I apply for IRCTC BOBCARD - Credit Card with Exclusive Benefits & Savings on Train Journeys?
Check the issuer website for application availability.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-12
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.