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Bank of Baroda
Up to 10% back on AC train tickets in the lean season, 4% in peak, for a Rs. 350 annual fee
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from Bank of Baroda’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromTravel
No published ceiling on this tier
Groceries
No published ceiling on this tier
Everything else
No published ceiling on this tier
Only 1AC, 2AC, 3AC, Chair Car and Executive Chair Car bookings earn the rail rates. Sleeper and general class do not. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Travel — AC and chair car rail bookings for travel dates 15 Jan to 31 Mar and 15 Jul to 15 Sep. 40 Reward Points per Rs. 100 at Rs. 0.25 a point. Other dates earn 16 points, which is 4%., with no stated cap.
Biggest limitation
The 40-point rail rate applies only to travel dates between 15 Jan and 31 Mar and 15 Jul and 15 Sep. Other dates earn 16 points, which is 4% rather than 10%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10%
uncappedTravel
AC and chair car rail bookings for travel dates 15 Jan to 31 Mar and 15 Jul to 15 Sep. 40 Reward Points per Rs. 100 at Rs. 0.25 a point. Other dates earn 16 points, which is 4%.
1%
uncappedGroceries
Departmental stores — 4 Reward Points per Rs. 100.
0.5%
uncappedEverything else
2 Reward Points per Rs. 100 at Rs. 0.25 a point.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹500 | — |
| Annual / renewal fee | ₹350 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, as published in BOBCARD's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹350 a year
charged with no published way to avoid it
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
0.5% on UPI spends. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Bank of BarodaBOBCARD Uni GoldX Credit CardLifetime free
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Bank of BarodaBOBCARD EASY Credit Card₹590
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IRCTC BOBCARD Credit Card · this card | ₹350 | 10% travel | No |
| BOBCARD Uni GoldX Credit Card | Lifetime free | Up to 5% rewards | No |
| Snapdeal BOBCARD Credit Card | ₹249 | Up to 5% cashback | No |
| BOBCARD SELECT Credit Card | ₹885 | Up to 1% cashback | No |
| BOBCARD EASY Credit Card | ₹590 | Up to 0.2% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹350 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
Only 1AC, 2AC, 3AC, Chair Car and Executive Chair Car bookings earn the rail rates. Sleeper and general class do not. The reward programme does not apply on select merchant categories or on fuel. Only 1AC, 2AC, 3AC, Chair Car and Executive Chair Car bookings earn the rail rates. Sleeper and general class do not. The reward programme does not apply on select merchant categories or on fuel. Only 1AC, 2AC, 3AC, Chair Car and Executive Chair Car bookings earn the rail rates. Sleeper and general class do not. The reward programme does not apply on select merchant categories or on fuel.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
It depends on the travel date. Tickets for journeys between 15 January and 31 March and between 15 July and 15 September earn 40 Reward Points per Rs. 100, which is 10% back at the published Rs. 0.25 a point. Journeys between 1 April and 14 July and between 16 September and 14 January earn 16 points per Rs. 100, which is 4%. Both rates apply only to 1AC, 2AC, 3AC, Chair Car and Executive Chair Car bookings.
BOBCARD sets the rate by travel date, paying more for journeys in the two leaner windows and less in the peak holiday months. No other card in our catalogue does this. In practice it means the 10% headline is worth checking against your own travel dates before you judge the card on it — a family that travels in May and December will earn 4%, not 10%.
Four complimentary railway lounge accesses a year, one per quarter, at partner railway lounges. There is no airport lounge access at all. A valid train ticket is needed at the lounge entrance, and the benefit is for the primary cardholder.
Rs. 500 to join and Rs. 350 a year after that — one of the cheapest annual fees in this catalogue. BOBCARD publishes no spend-based waiver, so the Rs. 350 is payable every year, but a single lean-season AC booking of Rs. 3,500 earns it back.
Up to 1% of it, credited to your statement. The waiver applies only to transactions in MCC 4112 (passenger railways) and MCC 9399 (government services), which is what IRCTC bookings fall under, so it covers the booking fee on a rail ticket and nothing else.
Indian residents aged 21 to 60 if salaried and 24 to 65 if self-employed, as the primary cardholder. Add-on cards can go to family members above 18. Salaried applicants need a bank statement showing salary credits for the last two months.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
