SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for IRCTC, railway lounge, and grocery.
Why it can work
It combines accelerated rewards on IRCTC train ticket bookings (via IRCTC website/app) and milestone rewards.
Where value may drop
Fuel don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 1,800 |
| Travel (cab, train, etc.)excluded | Rs 5,000 | — |
| Groceries | Rs 5,000 | 600 |
| Other spends | Rs 8,000 | 480 |
Categories marked excluded earn no rewards on this card.
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for IRCTC Train Ticket Bookings (Via IRCTC Website/App)
Up to 40 reward points per Rs 100
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| IRCTC train ticket bookings (via IRCTC website/app) | Up to 40 reward points per Rs 100 | - |
| Grocery and departmental store spends | 4 reward points per Rs 100 | 1,000 reward points |
| Other eligible spends | 2 reward points per Rs 100 | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel spends eligible for surcharge waiver do not earn reward points
- IRCTC rewards require linking the card loyalty number with IRCTC login ID
- taxes and charges excluded as per BOBCARD terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 4 complimentary partner railway lounge visits per year, limited to 1 per quarter
- 1% IRCTC transaction charge waiver on eligible train ticket bookings through the IRCTC website and mobile app
- 1% fuel surcharge waiver on fuel transactions between Rs 500 and Rs 3,000, capped at Rs 100 per statement
- Up to 3 lifetime free add-on cards
Additional details
- Link the IRCTC BOBCARD loyalty number with the IRCTC login ID to unlock the accelerated reward rate on IRCTC bookings.
- Minimum 1,000 points required for statement balance redemption (effective July 1, 2025).
Eligibility
Check this before you apply.
Salaried
- Resident Indian
- Age between 21 and 65 years
- Annual income of Rs 3.6 lakh or more
Self-employed
- Resident Indian
- Age between 21 and 65 years
- Annual income of Rs 4.8 lakh or more
Compare before you decide
Alternatives based on what you might want instead.