IRCTC RuPay BOBCARD Credit Card
IRCTC RuPay BOBCARD Credit Card from Bank of Baroda is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 350 | Reward type: Reward Points | Best for: Travel, Grocery
Estimated value per Rs 100 of eligible spend.
IRCTC RuPay BOBCARD Credit Card Overview
IRCTC RuPay BOBCARD Credit Card is a Bank of Baroda credit card. Base reward value is about Rs 0.12 per Rs 100 of eligible spend. Zlash checks boosted categories like travel, grocery along with caps and exclusions.
Best For
IRCTC RuPay BOBCARD Credit Card is most useful when your spends regularly fall into travel, grocery.
Rewards
travel
20x the base reward rate.
grocery
2x the base reward rate.
Not Good For
- International transactions if you need low forex markup; this card lists 3.5% markup.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 5,000.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Zlash Verdict
Choose this card when travel, grocery match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IRCTC RuPay BOBCARD Credit Card?
The listed annual fee is Rs 350.
What is IRCTC RuPay BOBCARD Credit Card best used for?
IRCTC RuPay BOBCARD Credit Card is most useful when your spends regularly fall into travel, grocery.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.