Which Bank of Baroda Credit Card Offers Benefits on Railway Ticket Booking?

Vacation or business trips demand instant booking of railway tickets. And if you don’t have money saved for such occasions, a Bank of Baroda Credit Card can help you with that. Using it, you can book your railway tickets and get exciting reward offers on them. So, who knows booking a train ticket can be rewarding. In this article, you’ll learn about the IRCTC BoB Credit Card which is specially designed for railway travel. So, keep reading this page further as this is one of the Best Credit Cards for Railway Ticket Booking.

TRAVERSE Card Benefits for the Credit Cardholders

BOB Financials provide you with a wide range of benefits with this credit card. Let’s learn about them one after another –

Railway Lounge Program

Bank of Baroda IRCTC Rupay credit card helps you get four complimentary railway lounge access per calendar year i.e, one per quarter. The participating railway lounges are –

Executive Lounge

Accessible at the following stations –

• Agra Cantt Railway Station
• Jaipur Railway Station  
• New Delhi Railway Station  
• New Delhi Railway Station 
• Madurai Railway Station 
• Ahmedabad Railway Station  
• Sealdah Railway Station 

Food Stop Diner

This lounge is accessible at Ernakulam Railway Station.

Before extending your lounge access, you should ensure the name will be the same as on the card. You also need to carry a government-issued ID as it may be required. The lounge staff will  check your eligibility for the extension and record the usage via a specified system.

Each lounge has its food offerings and child policy, so do check with the lounge before entry. Lounge staff has the right to terminate the lounge visit or refuse entry to any customer who is intoxicated or behaving in a disorderly fashion or violating lounge conditions including but not limited to health and safety policies or fire safety regulations.

Who is Eligible for this Best Credit Card for Railway Ticket Booking?

You can purchase this card from BOB Financials if you meet the following criteria –

Age

If you’re 21 years of age or above, BOB Financials will consider your credit card application. But the age should not be more than 65 years. 

Income

Both salaried and self-employed are eligible for this Bank of Baroda Credit Card if they meet the below annual income criteria –

• Salaried – INR 3.6 Lakh 
• Self-employed – INR 4.8 Lakh

Criteria for Add-on Members

The add-on member should be 18 years or old. Minors won’t be allowed to use this credit card. You can give the add-on card to your children, spouse or parents. With this, they can also enjoy the benefits of this best credit card for railway ticket booking.

List of Documents You’ll be Needing for this Bank of Baroda Credit Card

BOB Financials will require the following documents to approve your credit card application request –

PAN Card Copy

This document will prove your identity- name, age and other details. If there is any misinformation, the lender can reject your credit card application.

Income Documents

You’ll need to submit the following documents –

• Bank statement showing your last credited salary record
• ITR report if you’re self-employed

Other than the above, you’ll need a company ID or visiting card, current address proof and one recent passport size photograph.

How to Apply for the Best Credit Card Online?

You can apply for it online by following the instructions shown below –

• Visit the official website of BOB Financials
• Go to the ‘Credit Card’ section and select ‘IRCTC BoB Credit Card’
• Click on Apply Now’ 
• Fill in your details such as name, email, mobile number, PAN number, date of birth
• Accept the terms and conditions box
• Click on the ‘Generate OTP’ button
• Enter the received OTP to proceed further
• E-sign your credit card application
• And complete a video KYC later