IRCTC RBL Bank Credit Card vs IRCTC BOBCARD (2026)
IRCTC BOBCARD vs IRCTC RBL Bank Credit Card: which wins?
₹28,140ranking value a year at ₹3L a month, to IRCTC RBL Bank Credit Card
Skip the duel — the board, ranked → · nothing to sign up for
#131 against #132 on our board, ₹8,210 apart in ranking value at ₹3L a month.
IRCTC RBL Bank Credit Card out-earns IRCTC BOBCARD at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| IRCTC RBL Bank Credit Card | Metric | IRCTC BOBCARD |
|---|---|---|
| #131 — wins this row | Our rank | #132 |
| ₹500/yr | Fee — joining · annual (+ GST) | ₹500 joining, then ₹350/yr |
| None | Fee waiver | None |
| Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière | Forex markup | 3.5% + GST (standard BOBCARD) |
| Bureau-score-tiered: 3.35%/mo (40.20%/yr) at CIBIL >775; 3.85%/mo (46.20%/yr) at 725–775; 3.99%/mo (47.88%/yr) below 725 | APR | 3.75%/mo (45%/yr) — standard BOBCARD tier (non-Eterna) |
| 0.5% | Headline earn rate | 0.5% |
| IRCTC Reward Points | Currency | BOBCARD Reward Points |
| ₹1.00/pt | House value | ₹0.25/pt |
| 500 Reward Points on one transaction above ₹500 within 30 days of issuance — credited within 60 days, and only after the annual fee is paid | Welcome benefit | 500 bonus reward points on spending ₹5,000 within the first 60 days |
| 21 of 793 | Lounge doors opened | 22 of 793 — wins this row |
| not published | Income — salaried | ₹3.6L+/yr (community) |
| not published | Income — self-employed | ₹4.8L+/yr (community) |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IRCTC RBL Bank Credit Card out-earns IRCTC BOBCARD at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
IRCTC RBL Bank Credit Card leads at all 20 steps, but not by the same amount: ₹1,430 at ₹0.25L a month, ₹8,450 at ₹5L — the gap fans out with spend, widest at ₹3.5L (₹9,170).
IRCTC BOBCARD charges twice — ₹500 to join, then ₹350 every year after.
IRCTC RBL Bank Credit Card draws above the line, IRCTC BOBCARD below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IRCTC RBL Bank Credit Card | IRCTC BOBCARD | In front |
|---|---|---|---|
| ₹0.25L | ₹3,720 | ₹2,290 | IRCTC RBL Bank Credit Card by ₹1,430 |
| ₹0.5L | ₹5,940 | ₹4,930 | IRCTC RBL Bank Credit Card by ₹1,010 |
| ₹0.75L | ₹8,160 | ₹6,970 | IRCTC RBL Bank Credit Card by ₹1,190 |
| ₹1L | ₹10,380 | ₹8,410 | IRCTC RBL Bank Credit Card by ₹1,970 |
| ₹1.25L | ₹12,600 | ₹9,850 | IRCTC RBL Bank Credit Card by ₹2,750 |
| ₹1.5L | ₹14,820 | ₹11,290 | IRCTC RBL Bank Credit Card by ₹3,530 |
| ₹1.75L | ₹17,040 | ₹12,730 | IRCTC RBL Bank Credit Card by ₹4,310 |
| ₹2L | ₹19,260 | ₹14,170 | IRCTC RBL Bank Credit Card by ₹5,090 |
| ₹2.25L | ₹21,480 | ₹15,610 | IRCTC RBL Bank Credit Card by ₹5,870 |
| ₹2.5L | ₹23,700 | ₹17,050 | IRCTC RBL Bank Credit Card by ₹6,650 |
| ₹2.75L | ₹25,920 | ₹18,490 | IRCTC RBL Bank Credit Card by ₹7,430 |
| ₹3L | ₹28,140 | ₹19,930 | IRCTC RBL Bank Credit Card by ₹8,210 |
| ₹3.25L | ₹30,360 | ₹21,370 | IRCTC RBL Bank Credit Card by ₹8,990 |
| ₹3.5L | ₹31,980 | ₹22,810 | IRCTC RBL Bank Credit Card by ₹9,170 |
| ₹3.75L | ₹33,300 | ₹24,250 | IRCTC RBL Bank Credit Card by ₹9,050 |
| ₹4L | ₹34,620 | ₹25,690 | IRCTC RBL Bank Credit Card by ₹8,930 |
| ₹4.25L | ₹35,940 | ₹27,130 | IRCTC RBL Bank Credit Card by ₹8,810 |
| ₹4.5L | ₹37,260 | ₹28,570 | IRCTC RBL Bank Credit Card by ₹8,690 |
| ₹4.75L | ₹38,580 | ₹30,010 | IRCTC RBL Bank Credit Card by ₹8,570 |
| ₹5L | ₹39,900 | ₹31,450 | IRCTC RBL Bank Credit Card by ₹8,450 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
IRCTC RBL Bank Credit Card · 4 more →
- 0.5% on everything that is not rail — 1 Reward Point per ₹200 of ordinary spend
- Each accelerated bucket (train, FASTag/NCMC/UTS, IRCTC flights and hotels) caps at 1,000 points a billing cycle
- The ₹1 value holds only on IRCTC; RBL publishes no per-point rate for redeeming these points on its own rewards portal
IRCTC BOBCARD · 3 more →
- The 40-RP rate is lean-season only (travel 15 Jan–31 Mar & 15 Jul–15 Sep; 16 RP/₹100 the rest of the year) and train earn caps at 250 Travel Points (₹250) per statement cycle
- Reward points are ₹0.25 flat; the departmental-store 4-RP accelerator caps at 1,000 RP per cycle
- 0.5% on everything outside train tickets, SmartDeal travel and departmental stores; 3.5% forex markup and no airport lounge
The call
For the ₹1L/month spender, IRCTC RBL Bank Credit Card nets ₹10,380 against ₹8,410 — a ₹1,970 gap. At ₹5L/month, IRCTC RBL Bank Credit Card nets ₹39,900 against ₹31,450 — a ₹8,450 gap. Lounge chasers: IRCTC BOBCARD opens 22 of 793 tracked doors to IRCTC RBL Bank Credit Card's 21.
Our standing verdicts: IRCTC RBL Bank Credit Card — Keep; IRCTC BOBCARD — Downgrade. IRCTC RBL Bank Credit Card takes 4 of the 5 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, IRCTC RBL Bank Credit Card or IRCTC BOBCARD?
IRCTC RBL Bank Credit Card. IRCTC RBL Bank Credit Card takes 4 of the 5 rounds we can score. IRCTC RBL Bank Credit Card out-earns IRCTC BOBCARD at every spend level we model, from ₹25k to ₹5L a month.
IRCTC RBL Bank Credit Card or IRCTC BOBCARD — which earns more at ₹3L a month?
At ₹3L a month, IRCTC RBL Bank Credit Card nets ₹28,140 against ₹19,930 — a ₹8,210 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, IRCTC RBL Bank Credit Card or IRCTC BOBCARD?
They cost the same to get: ₹500/yr. IRCTC RBL Bank Credit Card waives its fee at no spend level — there is no waiver; IRCTC BOBCARD at no spend level — there is no waiver.
Which gets you into more airport lounges, IRCTC RBL Bank Credit Card or IRCTC BOBCARD?
Lounge chasers: IRCTC BOBCARD opens 22 of 793 tracked doors to IRCTC RBL Bank Credit Card's 21. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-08-23. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against RBL Bank and BOBCARD (Bank of Baroda)'s own documents on · the ranking model, at our house ₹/point
Every document behind this page — 10 of them, each with the day we read it
- official Product page — ₹500 + GST membership, "1 Reward Point = INR 1" on irctc.co.in, 8 complimentary railway lounge visits (2 a quarter), and the whole 5/3/2/1-per-₹200 earn grid
- official Product T&C — §3.2 sets every earn rate per ₹200 with a 1,000-point monthly cap on each accelerated bucket, §3.3 the ₹75,000 quarterly milestone, §3.6 the 2-per-quarter railway lounge
- official RBL's own eligible railway lounge list — 10 operational IRCTC lounges across Asansol, Chennai, Delhi, Jaipur, Kolkata, Madurai, Varanasi and Bhopal
- official Schedule of Charges — "RBL Bank IRCTC RBL Bank Credit Card: INR 500 (1st Year) / INR 500 (2nd Year onwards)" with no spend waiver, and the ₹99 + GST reward-redemption fee
- official Bank-wide MITC — 3.5% forex markup (the 0% carve-outs name only the Safari family and Lumière), bureau-tiered finance charges, and the railway-booking surcharge
- official BOBCARD IRCTC product page — ₹500 joining / ₹350 annual, 500-RP welcome at ₹5k/60d, seasonal 40 vs 16 RP/₹100 by travel date, 250-TP/1,000-RP per-cycle caps (footnote)
- official IRCTC co-brand loyalty document — 10 TP/₹100 lean-season (15 Jan–31 Mar, 15 Jul–15 Sep) vs 4 TP/₹100 rest of year, 1 TP = 4 RP, 1 RP = ₹0.25, AC classes only
- official BOBCARD Features & Rewards T&C (w.e.f. 15-Jul-2026) — IRCTC core 2 RP/₹100, the 5311 accelerator capped 1,000 RP a cycle, and SmartDeal at 8 RP/₹100 on flights, 20 on hotels
- official Bank-wide KFS (17-Jul-2026) — ₹500 joining and ₹350 annual for IRCTC, both with fee-waiver criteria NIL; 3.5% forex on standard cards
- community CardInsider — corroborates 2 RP/₹100 base, 4 RP departmental (adds grocery), 500 RP welcome at ₹5k/60d, 3.5% forex, eligibility (21–65, ₹3.6L salaried / ₹4.8L self-employed)