Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on IRCTC BoB RuPay Credit Card . IRCTC BoB RuPay Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. IRCTC BoB RuPay Credit Card is best fit for Travel | enthusiast. The first is that you can redeem your reward points by booking railway tickets through the IRCTC Website or Mobile Application..
IRCTC BoB RuPay Credit Card Details
|Card Name||IRCTC BoB RuPay Credit Card|
|Joining Fee||Rs. 500|
|Reward Type||Reward Points ||
|Fuel Surcharge||1% at all fuel stations in India|
|Apply Link||Apply Here|
Fees & Charges
What is the joining fee of IRCTC BoB RuPay Credit Card?
What are the Welcome Benefits for IRCTC BoB RuPay Credit Card?
You are entitled to 1000 Bonus Reward Points if you are able to spend Rs. 1000 through a single transaction using this card within first 45 days of card issuance
Get add-on card and enjoy added benefits
IRCTC BoB RuPay Credit Card Benefits & Rewards
Movie / Dining
Get add-on card and enjoy added benefits
The earned RP can be redeemed for ticket bookings via IRCTC website or mobile application. Also can be redeemed against card’s statement balance where 1 RP = Rs. 0.25
Travel Benefits for IRCTC BoB RuPay Credit Card
Complimentary access to partner railway lounges
Airport Lounge Access
Domestic Lounge Access : 4 Complimentary railway lounge access per year, subject to 1 per quarter
International Lounge Access : NA
You are provided with insurance cover for lost/stolen card
How to Increase Credit Limit on IRCTC BoB RuPay Credit Card
1. Create a budget plan
Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.
2. Decide which product you want
After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.
3. Make sure you’re not paying interest
If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.
4. Keep track of your spending
You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.
5. Avoid impulse buys
Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.
6. Manage your credit score
If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.
Increasing Card Limit on IRCTC BoB RuPay Credit Card totally depends on your previous relationship with your bank, credit history, and payment time. If we missed anything please let us know in the comment section