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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaICSI Diamond Credit Card
Bank of Baroda

ICSI Diamond Credit Card

Reward Points Signature
4.5/5.0CardwiseHQ Review
0
Primary Reward
5 Reward Points per ₹100 spent on dining, online & utility bills (capped at 1000 RP per statement cycle)
Fee Waiver
Lifetime free, no waiver condition
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

The calculated winner to save more, exclusively for ICSI members.

Fees & Charges

ICSI Diamond Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 0
Annual / Renewal Fee₹ 0
Fee Waiver ConditionLifetime free, no waiver condition
Foreign Transaction Fee2% of transaction amount

Rewards & Cashback

ICSI Diamond Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5 Reward Points per ₹100 spent on dining, online & utility bills (capped at 1000 RP per statement cycle)
Secondary Reward Rate1 Reward Point per ₹100 spent on all other categories (excluding fuel, select MCCs, UPI bonus)
Max Cashback / Rewards (Monthly)1000 Reward Points per statement cycle on 5X categories (equivalent to ₹250 cashback)
Welcome / Joining Bonus500 reward points on spend of ₹5,000+ within 60 days of card issuance & complimentary 12-months FITPASS PRO Membership
Milestone Benefits3999 Reward Points every quarter on spending more than ₹1 Lac or card's credit limit (whichever is higher). Lounge access subject to ₹40,000 spends per quarter (effective Jan 2025).
Reward ExclusionsFuel, select MCCs, and UPI transactions (for bonus rewards)

Features & Benefits

ICSI Diamond Credit Card · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details12 complimentary domestic airport lounge accesses annually (3 per quarter). From Jan 1, 2025, subject to minimum spends of ₹40,000 in the preceding calendar quarter.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance CoverageProfessional Indemnity Insurance Cover up to ₹5 Lakhs, Air accident death cover of ₹15 Lakhs, Non-air accident death cover of ₹5 Lakhs
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

ICSI Diamond Credit Card · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 3,00,000
Minimum Age21
Maximum Age75
Card VariantSignature
Best ForICSI Members, Online Shopping, Dining, Utility Bill Payments, Travel Benefits

Pros & Cons

Advantages
  • Zero joining and annual fees for lifetime
  • 5X Rewards on dining, online & utility bills
  • 12 complimentary domestic airport lounge accesses annually
  • 2% reduced foreign transaction mark-up
  • Complimentary 12-months FITPASS PRO Membership worth ₹48,000
  • Comprehensive insurance cover up to ₹15 Lakhs
  • Fuel surcharge waiver on transactions between ₹400 and ₹5,000
  • Lifetime free add-on cards available for family members
Disadvantages
  • 5X Rewards are capped at 1000 Reward Points per statement cycle
  • Lounge access becomes conditional on minimum spends from Jan 2025
  • No reward points on fuel transactions, select MCCs, and UPI bonus rewards

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: ICSI Members, Online Shopping, Dining, Utility Bill Payments, Travel Benefits

ICSI Diamond Credit Card by Bank of Baroda is rated 4.5/5 by our editorial team. The calculated winner to save more, exclusively for ICSI members..

About ICSI Diamond Credit Card

The ICSI Diamond Credit Card by BOBCARD is an exclusive, lifetime-free credit card meticulously designed for members of The Institute of Company Secretaries of India (ICSI). It boasts zero joining and annual fees, offering a compelling value proposition right from the start. Cardholders benefit from accelerated rewards, earning 5X Reward Points on dining, online, and utility bill spends, alongside a standard earn rate on other categories. It also enhances travel experiences with complimentary domestic airport lounge access and a reduced forex mark-up for international transactions. Beyond rewards, the card focuses on well-being and security. It provides a complimentary 12-month FITPASS PRO Membership and comprehensive insurance coverage, including Professional Indemnity, Air accident death, and Non-air accident death covers. Additional perks like a fuel surcharge waiver, Smart EMI conversion, and lifetime free add-on cards make it a well-rounded financial tool for ICSI professionals seeking both lifestyle benefits and financial prudence.

Quick Facts

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