IRCTC BoB Rupay Credit Card: The IRCTC BoB Rupay Credit Card a co-branded credit card launched newly in collaboration with the Indian Railways Catering and Tourism Corporation (IRCTC) and Bank of Baroda, with lots of offers and plethora of benefits such as complimentary lounge visits, rewards, EMI conversion and many more to its users.
Keeping its customers demand in mind this card was designed i.e., for the people who prefer to travel through indian railways. Apart from this i.e., for travelling, you can also save on your grocery purchases, fuel expenses and more via this credit card. This credit card is best suited for people who frequently travel via railway with just joining fee of Rs. 500, this card offers a plethora of rewards and benefits to its users.
Contents
IRCTC BoB Rupay Credit Card
1. Features and Benefits:
IRCTC BoB Rupay Credit Card is specially designed for the people who are frequent travellers and also prefer railways as there means of transport. You get numerous benefits, such as rewards, complimentary lounge access, fuel surcharge waiver, bonus reward points and many more to its users. On your rail ticket booking, you get remarkable reward points via IRCTC and while shopping for your daily needs as well and also, you can redeemed the reward points to book railway tickets.
Here we have mentioned the features and benefits offered by the IRCTC BoB Rupay Credit Card:
- Welcome Benefit: You get 1000 bonus Reward Points on your first single transaction of Rs. 1000 through your card within the first 45 days of card issuance, as a joining benefit.
- Reward Benefits: You can earn reward points via this credit card on your transactions through the IRCTC website or mobile app, and also, this credit card also offers bonus reward points at the time of joining: Up to 40 Reward Points per Rs. 100 you spend while booking railway tickets through the IRCTC website or mobile application, 4 Reward Points per Rs. 100 spent towards grocery and departmental stores, and 2 Reward Points per Rs. 100 spend towards all other categories.
- Reward Redemption: To redeem the Reward Points on your IRCTC BoB RuPay Credit Card, there are 2 methods to do so: The first one is that you can redeem your reward points by booking railway tickets through the IRCTC Website or Mobile Application, and the second way of redemption is that you can redeem these points against your credit card statement balance, where 1 RP = Rs. 0.25.
- Travel Benefits: You get up to 4 Complimentary domestic railway lounge access per year, i.e., a maximum of 1 per quarter.
- Zero Credit Card Lost Liability: In case, you lose your card you have no liability for any unauthorized purchases or any fraudulent transactions made with the card.
- Fuel Surcharge Waiver: On all fuel transactions between Rs. 500 to Rs. 3,000, get a fuel surcharge waiver of 1%, at fuel pumps all over India (waiver capped at Rs. 100 per statement).
- Railway Surcharge Waiver: Using IRCTC BoB RuPay Credit Card for booking a railway ticket through IRCTC Website or Mobile Application, you are entitled to a transaction surcharge waiver of 1% on all transactions.
- Other Benefits: The card offers many other benefits including, 3 add-on cards free for lifetime which you can provide to your family members.
Check, How to Apply for BoB Credit Card?
2. Fees and Charges:
- The joining fee for the IRCTC BoB RuPay Credit Card- Rs. 500.
- The Annual fee or Renewal fee charges are- Rs. 350.
- The financial charges carried by the card are- 3.49% p.m. i.e., 41.88% annually.
- Late Payment Charges are- For Statement Balance: Less than Rs. 100: Nil, Between Rs. 100 to Rs. 500: Rs. 100, Between Rs. 501 to Rs. 1,000: Rs. 400, Between Rs. 1,001 to Rs. 10,000: Rs. 600, Between Rs. 10,001 to Rs. 25,000: Rs 800, Between Rs. 25,001 to Rs. 50,000: Rs. 1,100, and for Above Rs. 50,000: Rs. 1,300.
- As the cash advance fee, the card charges 2.5% of the transaction amount or Rs. 500.
3. Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for IRCTC BoB RuPay Credit Card are as follows:
- The age limit for applying for this card is 21 years.
- The cardholder should have a decent credit score upto 750 or above.
- The cardholder should have a stable source of income either through salary i.e., Above Rs. 3.60 Lakhs or self-employment i.e., Rs. 4.80 Lakhs.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, are the needed documents.
- For Income Proof, you need to submit the 3 months bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for IRCTC BoB RuPay Credit Card:
For IRCTC BoB RuPay Credit Card you can apply either online or offline. For offline mode, you can visit your nearest BoB branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your IRCTC BoB RuPay Credit Card:
- Step 1: Visit Official website of the BoB- www.bankofbaroda.in
- Step 2: Click on ‘Credit Cards’ option.
- Step 3: Next, you have to select ‘IRCTC BoB RuPay Credit Card’ and click on ‘apply now’.
- Step 4: Enter all the requested details and submit the required documents.
This the way in which you can apply for IRCTC BoB RuPay Credit Card online.
Keep visiting for more Credit Card Deals.
