BoB Financial, IRCTC partner to launch new RuPay Credit Card

BoB Financial, IRCTC partner to launch new RuPay Credit Card

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07 Mar 2022

IRCTC, BoB Financial Team Up To Launch New Co-Branded Rupay Credit Card: Details

Published On: 07 Mar 2022

The Indian Railways Catering and Tourism Corporation (IRCTC) along with BoB Financial Solutions Limited (BFSL), a subsidy of the Bank of Baroda (BoB) recently launched the IRCTC BoB Rupay Credit Card for commuters. The credit card is contactless and comes with a host of benefits for people who commute frequently with the Indian Railways.


Indian Railways are one of the most commonly used modes of transport by a majority of the population in the country. The ratio of the number of people who avail the railway facility for the daily work commute or other personal travel is considerably high. The aim of the IRCTC BoB Rupay contactless card is specifically curated to maximise savings to frequent railway travelers. The credit card benefits also extend to categories such as fuel, shopping, etc. for this card. Cardholders can also earn reward points on using this credit card for 1AC, 2AC, 3AC, CC, or EC bookings. For eg: with each ₹100 spent, a cardholder can earn upto 40 credit card reward points. Cardholders can also save 1% on transaction charges for ticket booking via the IRCTC website or mobile app by using this card.

Other Rewards on the IRCTC BOB Credit Card

  • Welcome bonus: 1000 bonus points on a single transaction of ₹1000 or more within 45 days of card issuance

  • Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500-₹3000

  • Add-on cards: Avail upto 3 add-on cards for your loved ones with no extra charge

  • Zero liability: Enjoy zero liability on loss of card/fraudulent activities when you report credit card loss immediately

  • Extra Rewards: 2 reward points for every ₹100 spent on any other category including train ticket purchases on IRCTC Website and Mobile App. The accumulated reward points can be redeemed to enjoy cashback.

Talking about this new co-branded credit card, the official said at the launch “We are delighted for RuPay's Contactless Credit card launch by BOB Financial in partnership with IRCTC. This card will enable customers to save on their railway journey and to earn reward points on spending in other categories. With RuPay, we aim to offer customised value propositions backed by cutting-edge technology to provide a rewarding experience to millions of customers. We are confident that this launch is a step ahead to make RuPay the preferred credit card for India

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