IRCTC Credit Card
Rs 350Annual fee
0Domestic lounge
Domestic lounge conditions
- 4 complimentary partner railway lounge visits per year, limited to 1 per quarter
- The lounge benefit is for partner railway lounges only, not airport lounges, so loungeDomestic remains 0 to avoid mislabeling in airport-lounge UI.
3.5%Forex markup
Best for
IRCTC, Railway Lounge, Grocery, Departmental Stores, Travel
Top rewards
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; Other Eligible Spends: 2 reward points per ₹100
IRCTC on RuPay Credit Card
Rs 500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Railway, IRCTC, Travel, Rupay, Low Fee
Top rewards
Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent
| Feature | IRCTC Credit Card | IRCTC on RuPay Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | SBI Card |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 350 | Rs 500 |
| Reward type | Reward Points | Reward Points |
| Best for | IRCTC, Railway Lounge, Grocery, Departmental Stores, Travel | Railway, IRCTC, Travel, Rupay, Low Fee |
| Top reward categories | 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; Other Eligible Spends: 2 reward points per ₹100 | Eligible Railway Ticket Bookings On IRCTC: 10 Reward Points / ₹100 spent; Other Eligible Non-Fuel Retail Purchases: 1 Reward Point / ₹125 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 1,000 bonus reward points on a single transaction of ₹1,000 or more within 45 days of card issuance | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Not Listed |
| Key exclusions | 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 | fuel, cash withdrawal, fees and charges, disputed transactions |