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Features of Bank of Baroda IRCTC SBI Card

  • Reward Points Structure:
    One of the standout BoB IRCTC SBI Card features is its rewarding points system, particularly for railway bookings. Cardholders can earn up to 10% value back as reward points when booking AC1, AC2, AC3, Executive Chair Car, or Chair Car tickets through the IRCTC website or mobile app. Specifically, for every ₹125 spent on railway ticket bookings, users earn 1 reward point, with each point valued at ₹1 for redemption. Additionally, the card offers 1 reward point per ₹125 spent on non-fuel retail purchases, including other categories like groceries and departmental stores.
  • Complimentary Railway Lounge Access:
    The Bank of Baroda IRCTC SBI Card provides four complimentary railway lounge accesses per year, with a maximum of one visit per quarter. This feature enhances the travel experience by offering a comfortable space to relax at select railway stations, making it a valuable perk for those who frequently travel by train.
Bank of Baroda Premier Credit Card
    • Fuel Surcharge Waiver: To reduce everyday expenses, the IRCTC SBI Card by Bank of Baroda offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at fuel stations across India. The waiver is capped at ₹100 per billing cycle, providing significant savings for cardholders who drive regularly.
    • Contactless Payment Technology: The BoB IRCTC SBI Credit Card is equipped with Visa payWave technology, enabling contactless payments for quick and secure transactions. This feature is particularly useful for small-ticket purchases, as cardholders can simply wave their card at a secure reader without handing it over.
    • Welcome Bonus Points: New cardholders are greeted with a welcome bonus of 350 reward points upon paying the annual fee of ₹500. These points are credited within 45 days of an eligible transaction, providing an immediate incentive to start using the card.
    • Flexipay EMI Conversion: The Bank of Baroda IRCTC SBI Card offers the Flexipay option, allowing cardholders to convert transactions above ₹2,500 into Equated Monthly Installments (EMIs) within 30 days of the purchase. This feature provides financial flexibility, enabling users to manage large expenses, such as travel or shopping, without straining their budget.
    • Global Acceptance: Accepted at over 29 million Visa outlets worldwide and 325,000 outlets in India, the IRCTC SBI Card by Bank of Baroda ensures seamless usability for both domestic and international transactions.
    • Add-On Cards: The BoB IRCTC SBI Credit Card allows cardholders to issue add-on cards for family members, including spouses, parents, siblings, or children above 18 years, at no additional cost. This feature extends the card's benefits to loved ones, making it easier to manage family expenses while earning rewards.
    • Easy Bill Pay Facility: The card includes an Easy Bill Pay facility, enabling cardholders to automate payments for utilities like electricity, telephone, and insurance. This feature ensures timely payments, avoiding late fees and maintaining a healthy credit profile.
    • Security Features: The Bank of Baroda IRCTC SBI Card prioritizes security with features like zero liability on lost cards if reported promptly. Cardholders can block their card via SMS, the mobile app, or customer care, ensuring protection against fraudulent transactions.
    • Interest-Free Credit Period: Cardholders enjoy an interest-free credit period of 20 to 50 days, depending on the transaction date and billing cycle. This feature allows users to make purchases without incurring interest, provided the outstanding balance is cleared by the due date.
    • Online and Mobile Banking Integration: The Bank of Baroda IRCTC SBI Card login portal and mobile app provide seamless access to account management. Cardholders can check balances, view statements, redeem reward points, and track transactions on the go.
    • Cash Withdrawal Facility: The card allows cash withdrawals at over 1 million Visa ATMs worldwide, including 18,000 Visa ATMs and 10,000 SBI ATMs in India. While a cash advance fee of 2.5% (minimum ₹500) applies, this feature ensures access to funds in emergencies.
    • Reward Point Redemption: Reward points earned on the IRCTC SBI Card by Bank of Baroda can be redeemed for railway ticket bookings on the IRCTC platform, with 1 reward point equaling ₹1. Cardholders must link their card's loyalty number with their IRCTC login ID to redeem points.
    • Annual and Renewal Fees: The BoB IRCTC SBI Credit Card has a modest annual fee of ₹500 (plus GST) and a renewal fee of ₹500 (plus GST). These fees are competitive, making the card accessible to a wide audience while offering premium travel benefits.
    • Travel-Specific Benefits: Beyond lounge access and railway discounts, the Bank of Baroda IRCTC SBI Card railway discount includes a 1% transaction charge waiver on IRCTC bookings, reducing the cost of train travel.
    • Customizable Alerts: The IRCTC SBI Card by Bank of Baroda offers customizable SMS and email alerts for transactions, due dates, and reward point updates. This feature helps cardholders stay informed and manage their finances effectively.
    • Balance Transfer Option: Cardholders can transfer outstanding balances from other credit cards to the BoB IRCTC SBI Credit Card at a lower interest rate, payable in EMIs. This feature helps consolidate debt and reduce financial strain.
    • Eco-Friendly Card Option: The Bank of Baroda IRCTC SBI Card is available in an eco-friendly variant, made from recycled materials, appealing to environmentally conscious users.
Premier Card Benefits

Benefits of the Bank of Baroda IRCTC SBI Credit Card

  • 1. Significant Savings on Railway Bookings:
    • Get up to 10% value back as reward points on AC1, AC2, AC3, Executive Chair Car, and Chair Car bookings via the IRCTC platform.
    • 1% transaction charge waiver on railway bookings, effectively reducing travel costs for frequent train travelers.
  • 2. Enhanced Travel Comfort with Lounge Access:
    • Enjoy four complimentary railway lounge visits per year at select stations, offering a comfortable environment with refreshments.
    • Ideal for long-distance travelers seeking relaxation before boarding.
  • 3. Fuel Cost Reduction:
    • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at fuel stations, capped at ₹100 per statement cycle.
    • Offers everyday savings for daily commuters and vehicle owners.
    • Flexible EMI Options: The Flexipay feature allows cardholders to convert transactions above ₹2,500 into EMIs, with tenures ranging from 6 to 36 months.
    • Global Usability: With acceptance at 29 million Visa outlets worldwide, this card ensures international usage for travel, dining, and shopping, making it highly versatile.
    • Family-Friendly Add-On Cards: The ability to issue up to three free add-on cards allows loved ones to share card benefits and manage family expenses collectively.
    • Automated Bill Payments: The Easy Bill Pay facility automates utility payments, ensuring timely settlements and avoiding penalties — a time-saver for busy professionals.
    • Zero Liability on Lost Cards: Offers zero liability if a lost card is reported promptly, safeguarding users from fraudulent charges.
    • Interest-Free Credit Period: Enjoy an interest-free period of 20 to 50 days, supporting better cash flow management if the balance is cleared by the due date.
    • Digital Account Management: Real-time access via the login portal and mobile app enables users to track transactions, view statements, and redeem rewards conveniently.
    • Cash Access in Emergencies: Access emergency funds from over 1 million Visa ATMs worldwide, adding a layer of financial security.
    • Reward Point Redemption Flexibility: Points can be redeemed directly for railway bookings on the IRCTC platform, with 1 point equaling ₹1 — maximizing transaction value.
    • Competitive Fees: The annual and renewal fee of ₹500 each makes this card budget-friendly while offering substantial value.
    • Travel-Specific Savings: Includes a 1% transaction charge waiver on IRCTC bookings and railway lounge access, making train travel more affordable and comfortable.
    • Customizable Alerts: Receive SMS and email notifications for transactions, due dates, and reward updates to ensure proactive financial management.
    • Balance Transfer Savings: Allows debt consolidation from other cards at lower interest rates, payable in EMIs, supporting better debt management.
    • Eco-Conscious Option: An eco-friendly card variant is available for sustainability-conscious users, aligning with modern green trends.
    • Enhanced Shopping Rewards: Earn 1 reward point per ₹125 spent on groceries and department store purchases — adding value to everyday expenses.
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How to Apply for Bank of Baroda IRCTC SBI Card

  • Eligibility Criteria:
    • Age: Typically 21–65 years for salaried and up to 70 years for self-employed individuals.
    • Income: Sufficient and stable income as required by SBI Card underwriting policies.
    • Credit Score: Preferably 750 or above for smooth approval.
    • Residency: Indian citizens residing in India; NRIs not eligible for this specific co-branded card.
  • Documents Required:
    • Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, Driving License.
    • Address Proof: Aadhaar Card, Passport, Voter ID, utility bill (not older than 3 months).
    • Income Proof:
      • Salaried: Recent salary slips (last 3 months), Form 16, and 6 months’ bank statement.
      • Self-Employed: Last 2 years’ ITR, business proof (GST or registration), and 6 months’ bank statement.
    • Recent passport-sized photograph (mandatory).
  • Online Application Process:
    • Visit the SBI Card or BoB Financial website.
    • Navigate to the “Credit Cards” section and select the IRCTC SBI Card by Bank of Baroda.
    • Click on “Apply Now” and fill in personal, employment, and financial details accurately.
    • Upload required KYC documents (ID, address, income proof).
    • Complete Aadhaar-based e-signature and Video KYC (if prompted).
    • Submit the application and note down the reference number.
    • Track your application via SBI Card or BoB Financial website using this reference.
  • Offline Application Process:
    • Visit the nearest Bank of Baroda branch.
    • Request the IRCTC SBI Card application form.
    • Fill out the form manually and attach self-attested copies of necessary documents.
    • Submit the form to the bank executive and collect the application receipt/reference number.
  • Application Tracking and Approval:
    • Track status using the reference number on the SBI Card or BoB Financial website.
    • Alternatively, call SBI Card customer care for assistance.
    • Approval generally takes 7–14 working days depending on verification and document accuracy.
  • Post-Approval Steps:
    • Activate your card via the SBI Card website or mobile app and set your PIN.
    • Register for SBI Card net banking or mobile app for account management.
    • Link your card with your IRCTC login to earn and redeem travel points.
    • Explore welcome benefits and milestone rewards to maximize value.
  • Tips for a Successful Application:
    • Ensure a credit score of 750+ for better approval chances.
    • Double-check all form entries and document scans for clarity and accuracy.

Eligibility Criteria for Bank of Baroda IRCTC SBI Card

  • 1. Age Requirements
    • Primary Cardholder: Must be between 21 and 65 years old.
    • Add-On Cardholder: Minimum age 18 years.
  • 2. Residency Status
    • Applicants must be residents of India with valid residential proof.
    • Non-residents are not eligible for this card.
  • 3. Income Criteria
    • Salaried: Minimum annual income of ₹3.6 lakh.
    • Self-Employed: Minimum annual income of ₹4.8 lakh after business expenses.
  • 4. Credit Score
    • Preferred CIBIL Score: 750 or above for higher approval chances.
    • Good credit history with no recent defaults is crucial.
  • 5. Employment Status
    • Salaried: At least 6 months with a reputed employer.
    • Self-Employed: Minimum 1 year of business continuity with income proof.
  • 6. Existing Banking Relationship
    • Customers of Bank of Baroda or SBI may receive faster processing or pre-approved offers.
  • 7. No Default History
    • Applicants must have no history of loan or credit card defaults.
  • 8. Credit Utilization Ratio
    • Utilization below 30% is recommended to enhance approval prospects.
  • 9. Documentation Compliance
    • Valid KYC documents including PAN card, address proof, and income proof are mandatory.
  • 10. Corporate Eligibility
    • Certain variants may be offered to corporate employees with a BoB current account or OD facility.
  • 11. Tax Compliance
    • Applicants should demonstrate income stability even if not in the taxable bracket.
  • 12. Application-Specific Requirements
    • PAN Card: Mandatory for all applicants.
    • Contact Details: Valid mobile number and email ID required for verification.
  • 13. Factors Influencing Eligibility
    • Consistent income, long credit history, and low debt-to-income ratio enhance eligibility.
  • 14. Pre-Approved Offers
    • Existing customers may receive pre-approved IRCTC SBI Card offers from BoB or SBI.
  • 15. Special Considerations
    • Students: Generally not eligible unless income criteria is met.
    • Retired Pensioners: May qualify based on pension income and age.
  • 16. Verification Process
    • Background checks on employment, income, and credit score are conducted.
    • Applicants may be contacted for additional information or clarification.
  • 17. Common Eligibility Challenges
    • Low income, poor credit score, and incomplete documentation may lead to rejection.
  • 18. Tips to Improve Eligibility
    • Repay debts on time, increase income documentation, and reduce credit card balances.
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Documents Required for Bank of Baroda IRCTC SBI Credit Card

  • 1. Identity Proof (Any One):
    • Aadhaar Card: Preferred for KYC and universal acceptance.
    • PAN Card: Mandatory for tax compliance and financial verification.
    • Passport: Useful for both identity and address verification.
    • Driving License: Government-issued ID with photo and DOB.
    • Voter’s ID: Alternate identity document accepted.
  • 2. Address Proof (Any One, Recent):
    • Aadhaar Card: Accepted if the current address is reflected.
    • Passport: Valid if address section is updated.
    • Electricity Bill: Not older than 3 months; must be in applicant’s name.
    • Telephone Bill: Postpaid bills issued within the last 3 months.
    • Bank Statement: Reflecting current address; recent copy needed.
    • Ration Card: Accepted if address is clearly mentioned.
    • Rental Agreement: Registered agreement accepted, preferably with utility bill.
  • 3. Income Proof:
    • For Salaried Individuals:
      • Last 3 months’ salary slips.
      • Last 3 months’ bank statements showing salary credits.
      • Form 16 from the latest financial year.
      • Company ID card (may be requested for employment verification).
    • For Self-Employed Individuals:
      • Latest Income Tax Return (ITR) with income computation.
      • Last 6 months’ business account bank statements.
      • Business registration proof (GST, shop license, etc.).
    • Additional (if applicable):
      • Pension Statement (for retired applicants).
      • Investment Proof (FDs, mutual funds) to support income.
  • 4. Photographs:
    • Two recent passport-sized color photographs (taken within last 6 months).
    • Required for both online and offline applications.
  • 5. Special Documents (if applicable):
    • Form 60: If PAN is not available (rare).
    • Add-On Card Applicants: Only identity proof and photographs needed.
    • Corporate Applicants: Company registration certificate, board resolution, etc.
  • 6. Digital Document Guidelines:
    • Upload format: PDF or JPEG (Max size: 2 MB).
    • Ensure scanned copies are clear and legible.
    • Name and address must match across all documents.
    • Self-attestation is required for uploaded/photocopied documents.
  • 7. Submission & Verification Tips:
    • Carry originals for in-branch offline verification.
    • Ensure all submitted documents are recent (within 3–6 months).
    • Mismatched or expired documents may lead to rejection.
    • Digital KYC via Video call is available for online applications.

Factors Influencing Approval of Bank of Baroda IRCTC SBI Card

  • Credit Score:

    A CIBIL score of 750+ is recommended. Higher scores lead to faster approvals, higher limits, and better terms.

  • Income Stability:

    Minimum annual income: ₹3.6 lakh for salaried, ₹4.8 lakh for self-employed. Irregular income may trigger stricter scrutiny.

  • Debt-to-Income (DTI) Ratio:

    A DTI below 30% is preferred. Lower debt levels signal better repayment capacity and increase approval chances.

  • Credit Utilization Ratio:

    Keep utilization below 30% on other cards. High usage indicates credit dependency and can reduce approval odds.

  • Employment Status:

    Salaried: 6+ months in current role. Self-employed: 1+ year of profitable operations. Job stability supports eligibility.

  • Existing Banking Relationship:

    Applicants with savings, salary, or current accounts with BoB or SBI may receive faster processing or pre-approved offers.

  • Application Accuracy:

    Ensure all information—personal, financial, and employment—is correct. Errors may lead to verification delays or rejection.

  • Documentation Quality:

    Submit clear, valid documents. Incomplete or illegible submissions can cause delays or rejections.

  • Credit History Length:

    A longer credit history with timely payments strengthens your profile. New credit users may face stricter eligibility checks.

  • Payment History:

    Clean repayment record with no late payments or defaults significantly boosts approval chances.

  • Transaction Patterns (Post-Approval):

    Frequent usage for IRCTC bookings, fuel, and groceries maximizes rewards. Inactivity may limit future benefits.

  • Spending Behavior:

    Timely repayments and disciplined usage improve creditworthiness and may lead to credit limit increases.

  • Interest & Fee Management:

    Understanding interest (3.5% monthly on dues) and cash advance fees helps avoid financial strain.

  • Customer Support Interaction:

    Prompt reporting of lost cards or disputes ensures smoother experience. Delay can complicate resolution.

  • Reward Redemption Strategy:

    Use points via IRCTC integration before expiry (3 years) to maximize value. Delayed redemption = lost rewards.

  • Comparison with Other Cards:

    Evaluate alternatives like the IRCTC SBI Premier Card. The BoB IRCTC SBI Card is ideal for frequent rail travelers.

Frequently Asked Questions (FAQs) - Bank of Baroda IRCTC SBI Card

1. What is the Bank of Baroda IRCTC SBI Card?
The Bank of Baroda IRCTC SBI Card is a co-branded credit card offered jointly by SBI Card and IRCTC in collaboration with Bank of Baroda. It is tailored for frequent train travelers booking tickets via the IRCTC platform.
2. Who can apply for the IRCTC SBI Card?
Any Indian resident aged 18 or above with a stable income and good credit history is eligible. SBI Card's internal credit criteria also apply.
3. What are the key benefits of this card?
  • 10% value back as Reward Points on IRCTC ticket bookings
  • Complimentary railway lounge access in select cities
  • 1% transaction fee waiver on IRCTC ticket bookings
  • Fuel surcharge waiver at all petrol pumps in India
  • Welcome bonus and renewal rewards
4. How do I apply for the IRCTC SBI Card?
You can apply online through the SBI Card or IRCTC website, or visit an SBI branch. Documents required include identity, address, and income proof along with PAN card.
5. Is this card internationally accepted?
Yes, the card is globally accepted at merchant outlets and online platforms that accept Visa or Mastercard (depending on the variant).
6. What is the annual fee for the card?
The joining and annual renewal fee is typically ₹500 + GST. Promotional offers may waive the joining fee for the first year.
7. How are reward points calculated?
  • 10 Reward Points per ₹100 spent on IRCTC ticket bookings
  • 1 Reward Point per ₹125 on other retail spends
Points can be redeemed for train ticket bookings or through the SBI Card rewards catalogue.
8. Are there any exclusive travel benefits?
Yes, cardholders enjoy:
  • Up to 4 complimentary railway lounge accesses per year
  • Discounts on IRCTC travel packages
  • Priority customer support for travel-related queries
9. Is there a fuel surcharge waiver?
Yes, you get a 1% waiver on fuel transactions between ₹500 and ₹3,000 across petrol pumps in India. The waiver is subject to a monthly cap.
10. How can I check my card statement and transactions?
You can track your card activity through:
  • SBI Card mobile app
  • SBI Card website
  • Email statements
  • SMS alerts
11. Can I convert large transactions into EMIs?
Yes, purchases above ₹2,500 can be converted into EMIs via the app, website, or customer care at competitive interest rates.
12. What should I do if my card is lost or stolen?
Immediately block your card via the SBI Card app, website, or 24/7 customer care helpline. You may also request a replacement card.
13. How do I redeem my reward points?
Reward points can be redeemed through the SBI Card portal for:
  • IRCTC ticket bookings
  • Merchandise
  • Gift vouchers
  • Mobile recharges
14. Does the card support contactless payments?
Yes, it supports contactless (tap & pay) transactions for faster and more secure payments at enabled terminals.
15. Is there customer support dedicated to this card?
Yes, support is available via the SBI Card helpline, app, and website. For ticketing issues, IRCTC customer care can also assist.

List of Bank of Baroda IRCTC SBI Card Branches in Tamil Nadu

  • Tamil Nadu - Thanjavur Branch
  • Tamil Nadu - Theni Branch
  • Tamil Nadu - Thiruvallur Branch
  • Tamil Nadu - Thiruvarur Branch
  • Tamil Nadu - Thoothukudi Branch
  • Tamil Nadu - Virudhachalam Branch
  • Tamil Nadu - Tiruchendur Branch
  • Tamil Nadu - Tiruchengode Branch
  • Tamil Nadu - Tiruchirappalli Branch
  • Tamil Nadu - Tirunelveli Branch
  • Tamil Nadu - Tirupathur Branch
  • Tamil Nadu - Virudhunagar Branch
  • Tamil Nadu - Tiruppur Branch
  • Tamil Nadu - Tiruvannamalai Branch
  • Tamil Nadu - Udumalpet Branch
  • Tamil Nadu - Ulundurpet Branch
  • Tamil Nadu - Usilampatti Branch
  • Tamil Nadu - Vaniyambadi Branch
  • Tamil Nadu - Vedaranyam Branch
  • Tamil Nadu - Velankanni Branch
  • Tamil Nadu - Vellore Branch
  • Tamil Nadu - Viluppuram Branch