{
  "id": "bob-irctc-credit-card",
  "locale": "en",
  "name": "IRCTC BOBCARD",
  "bank": "Bank of Baroda",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Complimentary Railway Executive Lounge access (4 visits per year at designated railway stations)",
  "rewardsRate": "Up to 40 Reward Points / ₹100 (10% Value) on IRCTC AC Train Bookings · 1% IRCTC Transaction Fee Waiver · 4 Railway Lounges/Year",
  "bestFor": "Frequent train travelers, AC tier railway commuters on IRCTC, and family vacationers",
  "officialLink": "https://www.bobcard.co.in/credit-card-types/irctc-credit-card",
  "aiVerdict": {
    "score": 4.6,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "bob-irctc-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Bank of Baroda / BOBCARD — IRCTC BOBCARD Credit Card official schedule of charges and MITC",
    "IRCTC Co-Branded Partnership — 40 pts / ₹100 AC train tickets, 1% transaction fee waiver & railway executive lounge terms"
  ],
  "feeWaiver": "Waived on annual spends exceeding ₹50,000 in previous anniversary year",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹499 + GST (Waived on ₹50k spend)"
    },
    {
      "key": "IRCTC Rewards",
      "value": "Up to 40 Reward Points / ₹100 on AC 1/2/3/CC train tickets"
    },
    {
      "key": "Welcome Gift",
      "value": "1,000 Bonus Reward Points on setup"
    },
    {
      "key": "Railway Lounges",
      "value": "4 complimentary railway executive lounge visits/year"
    },
    {
      "key": "Transaction Fee Waiver",
      "value": "1% transaction fee waiver on irctc.co.in & IRCTC Rail Connect"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000"
    }
  ],
  "earnRates": [
    {
      "category": "IRCTC AC Train Bookings (40X)",
      "rate": "40 Points / ₹100 (10.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "40,000 Points (~₹10,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Points / ₹100 (0.50% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IRCTC AC Train Tickets",
      "multiplier": "40×",
      "rate": "40 Points / ₹100 (10.0%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "40 points per ₹100 on AC 1, AC 2, AC 3, CC tickets booked on irctc.co.in."
    },
    {
      "channel": "General Retail Purchases",
      "multiplier": "1×",
      "rate": "2 Points / ₹100 (0.5%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 points per ₹100 across online and offline retail spending."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IRCTC Train Ticket Bookings",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "BOBCARD Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-AC sleeper and unreserved train tickets (earn standard base rate).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (Includes 1,000 Welcome Reward Points)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived on ₹50,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹20,000+ per month (Salaried) or ₹3L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "710+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}