IRCTC BOBCARD: Credit Card for Rewarding Train Journeys

*Reward Points will be credited within 60 days of eligible transaction. Reward program is not applicable on select MCCs and Fuel.

Visit bobcard.co.in/most-important-terms-and-condition to know Reward Points Important Terms and Conditions. 

**40 Reward Points per ₹100 for Travel dates between 15 Jan – 31 Mar and 15 July – 15 Sep. 16 Reward Points per ₹100 for Travel dates between 1 April -14 July and 16 Sep – 14 Jan valid on 1AC, 2AC, 3AC, CC or EC class bookings . 4 BoB Reward Points = 1 IRCTC Travel Point. 1 BoB Reward Point = ₹0.25. Travel points will be credited only 5 days after the date of journey completion, if the ticket is not cancelled. Applicable only on the fare of the Primary Cardholder/s and not on the fare of the entire ticket. The Primary Cardholder will have to mandatorily be one of the passengers listed on the railway ticket. In case the Add-on Cardholder pays the ticket fare, accelerated Reward Points will be applicable only to the Primary Cardholder/s.
^If the Primary Cardholder books a ticket on IRCTC Website or Mobile App using his/her IRCTC BOBCARD, Customer is eligible to get up to 1% cashback credited to the statement against the transaction charges on the booking fare. Please note transactions charges will be revered for cancelled tickets. IRCTC transaction charge cashback is applicable only for transactions which belong to MCC 4112 (Passenger Railways) and MCC 9399 (Govt services).
^^Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle. 
°Applicable for Primary Cardholder only.
°°Redemption shall be allowed only if the cardholder has accessed the IRCTC Website/App through his own login using his own username and password. Applicable for Primary Cardholder only. To purchase a ticket worth ₹1000 on IRCTC platform, Cardholder needs to have Reward Points worth minimum ₹1000 or more for redemption
The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction. Eligible fuel transaction amount to qualify for 1% surcharge waiver is inclusive of the GST & surcharge levied by the acquiring bank after the transaction.

UPI transactions are eligible only for core Reward Points. Maximum of 500 Reward Points can be earned in a Statement cycle on UPI spends. UPI transactions do not qualify for bonus rewards.

Disclosure – Revenue Sharing between BOBCARD and cobrand partners
The arrangements between BOBCARD and cobrand partners may involve sharing of revenue between BFSL and the respective cobrand partner, for the cobranded credit cards issued as per the arrangement. Revenue sharing may typically be across joining & annual/renewal fee and spends using the cobranded credit card.