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A train journey is not just about destination. It's for exploring some never-ending tracks of happiness! IRCTC BoB Credit Card has been specially designed so you get to board a plethora of complimentary services, rewards, benefits, and a wholesome experience of travelling by train, to cherish lifelong. With this card, we endeavour to make your train journeys even more rewarding and memorable, so you always #TraverseWell.

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Card Benefits


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Use Customer Helpline for all your queries/support:
Call at 1800 225 100 (24*7) | Write to crm@bobfinancial.com for any support

1All accrued reward points can only be redeemed as cashback in the statement @ 1 Reward Point = Rs. 0.25
240 Reward Points per ₹100 for Travel dates between 15 Jan – 31 Mar and 15 July – 15 Sep. 16 Reward Points per ₹100 for Travel dates between 1 April -14 July and 16 Sep – 14 Jan valid on 1AC, 2AC, 3AC, CC or EC class bookings . 4 BoB Reward Points = 1 IRCTC Travel Point. 1 BoB Reward Point = ₹0.25. Travel points will be credited only 5 days after the date of journey completion, if the ticket is not cancelled. Applicable only on the fare of the Primary Cardholder/s and not on the fare of the entire ticket. The Primary Cardholder will have to mandatorily be one of the passengers listed on the railway ticket. In case the Add-on Cardholder pays the ticket fare, accelerated reward points will be applicable only to the Primary Cardholder/s.
3If the Primary Cardholder books a ticket on IRCTC Website or Mobile App using his/her BoB IRCTC Credit Card, Customer is eligible to get up to 1% cashback credited to the statement against the transaction charges on the booking fare. Please note transactions charges will be revered for cancelled tickets.IRCTC transaction charge cashback is applicable only for transactions which belong to MCC 4112 (Passenger Railways) and MCC 9399 (Govt services).
4Maximum 1000 BoB Reward Points or 250 IRCTC Travel Points per statement cycle.
5Applicable for Primary Cardholder only.
Redemption shall be allowed only if the cardholder has accessed the IRCTC Website/App through his own login using his own username and password. Applicable for Primary Cardholder only. To purchase a ticket worth ₹1000 on IRCTC platform, Cardholder needs to have reward points worth minimum ₹1000 or more for redemption. 6The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction. Eligible fuel transaction amount to qualify for 1% surcharge waiver is inclusive of the GST & surcharge levied by the acquiring bank after the transaction.
7UPI transactions are eligible only for core reward points. Maximum of 500 reward points can be earned in a Statement cycle on UPI spends. UPI transactions do not qualify for bonus rewards.
8Unique IRCTC Loyalty Number will be generated only for the Primary cardholder per unique mobile number & email ID mentioned at the time of applying for the Bank of Baroda IRCTC Credit card. In case of closure of the IRCTC Bank of Baroda Credit Card & reapplication, cardholder will need to provide a different mobile number & email ID not linked with the first loyalty number else cardholder needs to reapply after a period of 15 months from the date of linkage of the first IRCTC Bank of Baroda loyalty number as per the terms & conditions of the IRCTC loyalty program. Eg- If Primary cardholder's mobile ending 1234 and email ID abc1234@domain.com has already been linked with IRCTC Bank of Baroda loyalty no ending 4000 then cardholder can reapply only with a different mobile number & email ID.

Disclosure – Revenue Sharing between BFSL and cobrand partners
The arrangements between BFSL and cobrand partners may involve sharing of revenue between BFSL and the respective cobrand partner, for the cobranded credit cards issued as per the arrangement. Revenue sharing may typically be across joining & annual/renewal fee and spends using the cobranded credit card.


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  • Important Information - BoB Credit Cards are currently being issued for the billing cycles of 1st, 7th, 16th, 18th or 25th of every month, as per BOBCARD Limited discretion. The cardholder has a one-time option to change the existing billing cycle as available. Cardholder may write to crm@bobfinancial.com or contact us at our Toll Free Nos. 1800 2665 100 & 1800 2667 100 for a change in the billing cycle. By applying for a credit card, I authorize BOBCARD & its representatives to call me or SMS me with reference to my request. This consent will override any regristration for DNC / NDNC. I also understand providing credit card is at the sole discretion of the Company.
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