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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
Bank of Baroda

BOBCARD IRCTC Credit Card

Best forRailways & Education
Earns40 RP/₹100 on railways
1st Year / Joining Fee
₹350 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on railways and education, where it earns 40 RP/₹100
  • Annual fee is waived at ₹50,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Railways40 RP/₹100
Education2 RP/₹100
Insurance2 RP/₹100
Utilities2 RP/₹100
Groceries2 RP/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
Rental transactions excluded from rewards.
Education2 RP/₹100—2 RP / ₹100 (0.50%) on education
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on education.
Insurance2 RP/₹100—2 RP / ₹100 (0.50%) on insurance
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on insurance.
Utilities2 RP/₹100—2 RP / ₹100 (0.50%) on utilities
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on utilities.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel excluded from rewards. 1% surcharge waiver.
Groceries2 RP/₹100—2 RP / ₹100 (0.50%) on groceries
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on groceries.
Dining2 RP/₹100—2 RP / ₹100 (0.50%) on dining
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on dining.
Food Delivery2 RP/₹100—2 RP / ₹100 (0.50%) on food delivery
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on food delivery.
Shopping2 RP/₹100—2 RP / ₹100 (0.50%) on shopping
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on shopping.
Travel2 RP/₹100—2 RP / ₹100 (0.50%) on general travel
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on general travel.
GovernmentNo reward——
Details
Status
Verified — no reward
Issuer note
Government transactions excluded from rewards.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet loads excluded from rewards.
Railways40 RP/₹1001,000 RP per month40 RP / ₹100 (10.00%) on IRCTC AC ticket bookings (cap 1k RP/cycle)
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
40 RP / ₹100 (10.00%) on IRCTC AC ticket bookings (cap 1k RP/cycle).
FASTagNo reward——
Details
Status
Verified — no reward
Issuer note
FASTag excluded from rewards.
Jewellery2 RP/₹100—2 RP / ₹100 (0.50%) on jewellery
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on jewellery.
Telecom2 RP/₹100—2 RP / ₹100 (0.50%) on telecom
Details
Status
Verified
Source
SRC-BOB-IRCTC-SCHEDULE
Issuer note
2 RP / ₹100 (0.50%) on telecom.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹350 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Reward caps
  • Railways — 1,000 RP / month (per category — Railways)

Key benefits

Rewards
40 RP/₹100 on railways
Fee waiver
Annual fee waived on ₹50,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Railways rewards are capped at 1,000 RP / month (per category — Railways)
  • No reward on: Rent, Fuel, Government, Wallet +1 more

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in railways, education, insurance
  • You can reach the ₹50,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, fuel, government, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 5 no-reward categories
Caps
  • Railways — 1,000 RP / month (per category — Railways)
Categories with no reward or not eligible
  • Rent — No reward.
  • Fuel — No reward.
  • Government — No reward.
  • Wallet — No reward.
  • FASTag — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to Bank of Baroda's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas

4 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-27

Documents used
Official BOBCARD IRCTC schedule, 10% AC train ticket booking, 1% tx charge waiver · SRC-BOB-IRCTC-SCHEDULE
BOBCARD IRCTC Credit Card₹350 1st year