SimplifyCards take:A good fit if you want a card built for IRCTC, railway lounge, and grocery
✓
Best for IRCTC Train Ticket Bookings (Via IRCTC Website/App)Best for
Up to 40 reward points per ₹100
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for IRCTC, railway lounge, and groceryBottom line
It combines accelerated rewards on IRCTC train ticket bookings (via IRCTC website/app) and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| IRCTC Train Ticket Bookings (via IRCTC Website/App) | Up to 40 reward points per ₹100 | - |
| Grocery And Departmental Store Spends | 4 reward points per ₹100 | 1,000 Reward Points |
| Other Eligible Spends | 2 reward points per ₹100 | - |
Redemption
Statement balanceupto ₹ 0.25 per point
Important conditions
1
Milestone1,000 bonus reward points on a single transaction of ₹1,000 or more within 45 days of card issuance
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 ₹500 and ₹3,000, capped at ₹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 ₹3.6 lakh or more
Self-employed
- Resident Indian
- Age between 21 and 65 years
- Annual income of ₹4.8 lakh or more
Exclusions
Spending that does not earn reward points
- 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
Compare before you decide
Alternatives based on what you might want instead