BOBCARD (Bank of Baroda) · Entry
IRCTC BOBCARD
Where it ranks across all 187 cards
#4 Train tickets
4.0%
direct
#47 EMI
0.5%
direct
#71 Utility bills
0.5%
direct
#91 Jewellery & watches
0.5%
direct
#96 Gaming
0.5%
direct
#121 Cabs & transit
0.5%
direct
#127 Health & pharmacy
0.5%
direct
#130 Other
0.5%
direct
#131 Electronics
0.5%
direct
#132 Flights
0.5%
direct
#132 Hotels
0.5%
direct
#134 Groceries
0.5%
direct
#134 Movies & events
0.5%
direct
#137 Online shopping
0.5%
direct
#137 Fashion
0.5%
direct
#138 Food delivery
0.5%
direct
#140 Dining out
0.5%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: IRCTC BOBCARD card page - bobcard.co.in - read 25 Sep 2026
16 pts / Rs 100 on IRCTC train ticket bookings via site or app
4.00%this rule
16 pts / ₹100
how it works & source
Rate rises to 40 points per Rs 100 for IRCTC travel dates between 15 Jan-31 Mar and 15 Jul-15 Sep (bank's own peak season windows, evidence: '40 Reward Points per ₹100 for Travel dates between 15 Jan'). Applies only to the Primary Cardholder's own fare on 1AC/2AC/3AC/CC/EC bookings made via the IRCTC website or app, credited as 4 BoB Reward Points = 1 IRCTC Travel Point.
Source: IRCTC BOBCARD card page - bobcard.co.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on8 exclusions
Fuel
earns nothing
No reward points on fuel transactions on any BOBCARD except HPCL Energie.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Rent
earns nothing
No reward points on rent payments (MCC 6513).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Mobile / broadband
earns nothing
No reward points on telecom bill payments (MCC 4814).
→ use FIRST Private here (6.6%)
detail & source
categories: Mobile / broadband · MCCs: 4814
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Doctors and physicians, Hospitals
earns nothing
No reward points on hospital spends.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 8011, 8062
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Wallet load
earns nothing
No reward points on wallet loading transactions.
→ use FIRST Private here (6.6%)
detail & source
categories: Wallet load · MCCs: 6539, 6541, 6542, 6543
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Insurance
earns nothing
No reward points on insurance payments.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Government / tax
earns nothing
No reward points on government service payments.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9311, 9399, 9402, 9405
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Education
earns nothing
No reward points on education payments.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8220, 8241, 8244, 8249, 8299
Source: BOBCARD generic MITC (reward point terms, annexure 1) - media.bobcard.co.in - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.