BOBCARD Irctc Credit Card

Lounge access

• 4 complimentary railway lounge visits per calendar year (1 per quarter) at participating IRCTC Executive Lounges: Agra Cantonment (Platform 1), Jaipur (Platform 1), New Delhi (Platform 1 & Platform 16), Kalupur/Ahmedabad (Platform 1), Sealdah/Kolkata (Platform 1).
• A non-refundable authorization of ₹2 is taken on the card for validation.

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Charge

Lounge access validation: a non-refundable authorization of ₹2 will be taken on the card and charged to the Credit Card account.

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Milestone benefit

Convert purchases greater than ₹2,500 on the card into Smart EMIs of 6 to 48 months.

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Redemption value

• All accrued Reward Points can only be redeemed as cashback in the statement @ 1 Reward Point = ₹0.25.
• Reward Points credited within 60 days of eligible transaction.
• (For IRCTC conversion: 4 BoB Reward Points = 1 IRCTC Travel Point.).

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Reward cap

Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle (on accelerated IRCTC earn).

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Reward exclusion

• Reward Points are not awarded where the train for which the ticket is booked is cancelled.
• Points can be accumulated only once per rail journey per cardholder regardless of number of seats purchased.
• If payment is made from any other credit card, no Loyalty Points accrual.

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Transfer rule

• Link your IRCTC BOBCARD Loyalty Number (11-digit number embossed below Cardholder Name) with your irctc.co.in login to convert points.
• Loyalty Number activated upon payment of Joining Fee levied in first statement.
• For Loyalty Account to remain active, cardholder must pay the IRCTC BOBCARD Annual Fee from the next year onwards.

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Eligibility

• Unique IRCTC Loyalty Number is generated only for the Primary Cardholder.
• Only the Primary Cardholder is eligible for IRCTC Reward Points accrual (not Add-on Cardholder).
• Cardholder must be one of the travellers listed on the railway ticket to earn points.

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