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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaICAI Exclusive BOBCARD Credit Card
Bank of Baroda

ICAI Exclusive BOBCARD Credit Card

Reward Points Signature
4.5/5.0CardwiseHQ Review
0
Primary Reward
5 Reward Points per ₹100 spent on dining, online & utility bills
Fee Waiver
Lifetime free
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

For the ICAI professional who seeks more to yield from.

Fees & Charges

ICAI Exclusive BOBCARD Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 0
Annual / Renewal Fee₹ 0
Fee Waiver ConditionLifetime free
Foreign Transaction Fee2% of transaction amount

Rewards & Cashback

ICAI Exclusive BOBCARD Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5 Reward Points per ₹100 spent on dining, online & utility bills
Secondary Reward Rate1 Reward Point per ₹100 spent on all other categories
Max Cashback / Rewards (Monthly)1000 Reward Points (₹250 cashback) on 5X categories per statement cycle
Welcome / Joining Bonus500 reward points on spend of ₹5,000 within 60 days & complimentary 12-months FITPASS PRO Membership worth ₹48,000
Milestone Benefits4,000 reward points every quarter on spending more than ₹1 Lac or card's credit limit (whichever is higher)
Reward ExclusionsFuel transactions, select MCCs, UPI transactions for bonus rewards

Features & Benefits

ICAI Exclusive BOBCARD Credit Card · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details12 complimentary domestic airport lounge access passes (3 per quarter), subject to ₹40,000 spend in preceding quarter from Jan 1, 2025.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance Coverage₹5 Lakhs Professional Indemnity, ₹15 Lakhs Air accident death cover, ₹5 Lakhs Non-air accident death cover
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

ICAI Exclusive BOBCARD Credit Card · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 3,00,000
Minimum Age21
Maximum Age75
Card VariantSignature
Best ForICAI Members, Online Spends, Dining, Utility Bills, Travel

Pros & Cons

Advantages
  • Zero Joining & Annual Fees for a lifetime.
  • Earn 5X Reward Points on dining, online & utility bills.
  • Complimentary domestic airport lounge access (3 per quarter).
  • Reduced 2% Forex mark-up on international spends.
  • Complimentary 12-months FITPASS PRO Membership worth ₹48,000.
  • Comprehensive insurance cover: Professional Indemnity, Air & Non-air accident death cover.
Disadvantages
  • 5X Rewards are capped at 1000 Reward Points per statement cycle on accelerated categories.
  • Lounge access will be subject to minimum spends of ₹40,000 in the preceding quarter from Jan 1, 2025.
  • No Reward Points earned on fuel transactions and select MCCs.

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: ICAI Members, Online Spends, Dining, Utility Bills, Travel

ICAI Exclusive BOBCARD Credit Card by Bank of Baroda is rated 4.5/5 by our editorial team. For the ICAI professional who seeks more to yield from..

About ICAI Exclusive BOBCARD Credit Card

The ICAI Exclusive BOBCARD Credit Card is a specially curated, lifetime-free credit card designed exclusively for members of The Institute of Chartered Accountants of India (ICAI). It offers a suite of premium benefits aimed at enhancing the lifestyle of finance professionals, including accelerated rewards on everyday spends, travel perks, and health-centric features. Cardholders can enjoy significant savings with zero joining and annual fees, coupled with a reduced forex mark-up for international transactions. Key benefits encompass robust reward points on dining, online shopping, and utility bill payments, complemented by complimentary airport lounge access and comprehensive insurance coverage. It also includes a valuable welcome gift of a FITPASS PRO Membership, emphasizing a holistic approach to member well-being.

Quick Facts

Interest Rate
Card Network
Card VariantSignature
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes
Min Income₹3,00,000