IRCTC BOB Credit Card

The BoB IRCTC card offers a plethora of benefits to its users, and they have been enlisted below:

1. Train Travel Benefits

Users of the card can save train ticket payments through the BoB IRCTC card, listed below:

• Up to forty reward points for every Rs. 100 for train ticket bookings on the IRCTC portal or mobile application.
• When train tickets are booked through the portal or mobile application with the card, there is a 1% discount on transaction charges.
• There are up to 4 complimentary access for a year (1 for a quarter) at partner railway lounges. 

2. Shopping Benefits

The cardholders can also access several shopping benefits:

• Four points on every Rs. 100 spent on grocery spends or departmental stores.
• Two reward points on other category transactions of shopping. 

3. Fuel Spend Benefits

• There is a 1% fuel surcharge waived on fuel transactions in the range of Rs. 500 - Rs. 3,000. The maximum waiver is Rs. 100 for a statement.

4. Bonus Rewards

• The user can earn 1,000 reward points in one single transaction of Rs. 1,000 or more within forty-five days of the issue of the card.

The other features of the BoB IRCTIC Credit card are as follows:

• Redemption of Rewards - All the accrued reward points can be redeemed as cashback in the statement; One reward point = Rs. 0.25.
• Add-On Card - The primary cardholder can get up to 3 lifetimes of free add-on cards for parents, spouses, siblings, or children above the age of 18.
• Zero-Liability on Lost Card - A lost card, when reported, the bank ensures zero liability for fraudulent transactions. 

Individuals complying with the following criteria can avail of the card:

The following documents need to be submitted along with the application form for the card:

1. PAN Copy
2. Income statement (ITR, Pay Slip, or Bank statement)
3. Address Proof
4. Company ID or visiting card
5. Passport Size Photo 1x

In order to apply for the BoB IRCTC Credit card online, you can follow the steps listed below:

Step 1: Visit https://www.bobfinancial.com/irctc-card.jsp, and click on Apply now.

Step 2: You will be redirected to a new web page with the card application form.

Step 3: Choose the card and enter your personal details, such as name, date of birth, phone number, and more.

Step 4: Click on enter.

Step 5: Now, provide your income details and proceed.

Step 6: Attach the necessary documents (as mentioned above)

Step 7: E-sign the application.

Step 8: Submit the application.

The bank will acknowledge your application and get back to you within a while with an update.

Other credit cards with similar features as the IRCTC Card of BoB: