IRCTC BOB Credit Card

These are the features and benefits of the IRCTC BoB Credit Card:

Reward point benefits:

1. You get 1,000 bonus points when you make a transaction of Rs.1,000 or more within 45 days of the card being issued to you.
2. You get 2 reward points every time you spend Rs.100.
3. You get 4 reward points when you spend Rs.100 on grocery and departmental stores.
4. Earn 2 reward points for every Rs.100 that you spend on other categories.
5. Enjoy 40 reward points when you spend Rs.100 on train ticket bookings on the IRTC website or app.

Add-on card benefits:

1. You get 3 lifetime free add-on cards.
2. This is for your parents, spouse, kids (over 18 years of age), and siblings.

Fuel surcharge benefits:

1. Enjoy a waiver of 1% on fuel surcharge when you buy fuel at any fuel station in India.
2. To avail this benefit, your transaction amount should be between Rs.500 and Rs.3,000.
3. You can get a waiver up to Rs.100 in one statement cycle.

Lounge access benefits:

1. Enjoy up to 4 free railway lounge visits.

Insurance benefits:

1. Report loss of card immediately to ensure zero liability on any fraudulent transactions

Equated Monthly Instalment (EMI) benefits:

1. You can convert any transaction of and over Rs.2,500 into EMIs 6 or 36 months.

Eligibility Criteria to Apply for the IRCTC BoB Credit Card

You can apply for the apply for the IRCTC BoB Credit Card if you meet the following eligibility criteria:

1. You have to be a resident of India.
2. If you are salaried, then you need to have an income over Rs.3.6 lakh. If you are self-employed, then you should have over Rs.4.8 lakh.
3. If you are a primary credit cardholder, you should be over 21 years of age and up to 65 years of age.
4. As an add-on credit cardholder, you should be more than 18 years of age.

Documents Required to Apply for the IRCTC BoB Credit Card

You have to submit these documents when you apply for the credit card:

1. You need to submit the 3 months' bank statement as a salaried person.
2. If you are self-employed, you should submit your latest ITR.
3. A photocopy of your PAN card
4. Your address proof
5. 1 passport-size photo
6. Your company ID card, if you are salaried.

Fees and Charges of the IRCTC BoB Credit Card

The table summarises the fees and charges of the IRCTC BoB Credit Card:

Step-by-step process to link your IRCTC BoB RuPay Credit Card to a UPI-enabled app

To start using your RuPay credit card on UPI, follow these simple steps: 

1. Step 1: Open any UPI-enabled mobile app like BHIM, PhonePe, Paytm, or Google Pay.  

1. Step 2: Navigate to the ‘Accounts’ or ‘Profile’ section and choose to add a credit card.  

1. Step 3: Select ‘RuPay Credit Card’ as the card type and ‘BOBCARD’ as the card issuer.  

1. Step 4: Enter your card details including card number, card expiry date, and CVV of your IRCTC BoB RuPay Credit Card.  

1. Step 5: Set a new UPI PIN for the card. An OTP will be sent to your registered mobile number for verification.  

1. Step 6: Once verified, your card is linked to UPI successfully and is ready for you to use. Now, your RuPay credit card acts the same way as a UPI card in your payment app. 

How to use your RuPay IRCTC BoB Credit Card for payments via UPI

After linking your RuPay credit card, you can use it for merchant transactions through any UPI app. Here's how: 

1. Step 1: Open your UPI app and scan the merchant’s UPI QR code. 

1. Step 2: Enter the payment amount 

1. Step 3: Choose your linked IRCTC BoB RuPay Credit Card as one of your payment options. 

1. Step 4: Enter your UPI PIN to authorize your transaction. 

1. Step 5: Receive hassle-free real time payment confirmation in the UPI App. 

 RuPay Credit Card by UPI- Reward Program  

When you make payments with your IRCTC BoB RuPay Credit Card by UPI, you earn reward points as part of the existing benefits: 

1.  Earn 40 reward points per Rs.100 spent on IRCTC train ticket booking through the IRCTC website or App.  

1. Earn 4 reward points per Rs.100 at grocery stores and departmental stores.  

1. Earn 2 reward points per Rs.100 on other everyday spending categories. 

Note: Regardless of how you pay: wipe, tap or scan, you earn the same valuable rewards on your RuPay UPI. 

Stepwise guide to continue enjoying fuel surcharge waiver through UPI with your RuPay card 

The IRCTC BoB RuPay Credit Card also provides a 1% fuel surcharge waiver at any fuel station in India. This offer is valid as long as you use the card through UPI.  

1. Step 1: Scan the UPI QR code at the fuel pump with your UPI app.  

1. Step 2: Enter the fuel amount (must be between Rs.500 to Rs.3,000 to be eligible).  

1. Step 3: Choose your IRCTC BoB RuPay Credit Card as your payment source.  

1. Step 4: Enter your UPI PIN and confirm the transaction.  

1. Step 5: 1% fuel surcharge will be automatically waived (max of Rs.100 per billing cycle). 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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