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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
BoB
co-branded
•••• •••• •••• 0000
IRCTC RuPay
RuPayBank of Baroda • RuPay•
Annual Fee
₹350
Base Reward Rate
0.50%
Foreign Tx Fee
3.5%
Tier
Joining Fee
₹500
Verified
2026-06-08T14:01:24.290Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
4 complimentary domestic railway lounge accesses per year, max 1 per quarter
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹2,940
Blended 0.47% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Co-branded card by BOBCARD LIMITED and IRCTC. Welcome benefit: 500 bonus Reward Points on spending Rs.5,000 within first 60 days of issuance. RP redeemable for IRCTC ticket bookings or against statement balance at 1 RP = Rs.0.25. Reward redemption fee Nil. Interest 3.75% p.m. (45% p.a.). Cash advance 2.5% or Rs.500. Three add-on cards free for lifetime. Zero lost card liability. No spend-based annual fee waiver stated.