ICAI Exclusive BOBCARD Credit Card
The ICAI Exclusive BOBCARD Credit Card is a mid co-branded credit card from Bank of Baroda and ICAI, with a joining fee of ₹0 + GST.
It earns up to 5 pts per ₹100 (≈0.9% value) on ICAI spends in the form of reward points (points).
Cardholders get 3 quarterly domestic airport lounge access, plus 500 reward points as a welcome benefit.
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
- 5 pts per ₹100 on dining online utilities (cap 1000 points / statement)
- Base 0.18% on other spends
- 500 reward points
BoBsignaturemidLifetime freeCo-brand · ICAIRewards and Benefits
- ₹1,00,000 / quarterly: 4,000 reward points on quarterly spend above ₹1,00,000 or credit limit (whichever higher)
- other: ₹5,00,000
- air accident: ₹15,00,000
- personal accident: ₹5,00,000
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹135/mo
You spend ₹15,000 · earns 0.9% = ₹135 uncapped
- Capped at ₹180/mo
- Valued at realized redemption value
- Dining & food delivery₹50/mo
You spend ₹8,000 · earns 0.9% = ₹72 uncapped → cap ₹180 clamps it, ₹27 lost to the cap · ₹5 earned at base beyond it
- Cap ₹180/mo reached — extra spend earns base
- Valued at realized redemption value
- Utilities & bills₹9/mo
You spend ₹5,000 · earns 0.9% = ₹45 uncapped → cap ₹180 clamps it, ₹45 lost to the cap · ₹9 earned at base beyond it
- Cap ₹180/mo reached — extra spend earns base
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 0.2% = ₹14/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.2% = ₹18/mo
₹2,722 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded mid card by Bank of Baroda and ICAI.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (3/quarterly).
- Insurance cover bundled: other, air accident, personal accident.
Pros & Cons
- Lifetime-free — no joining or annual fee.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary domestic airport lounge access (3/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- No rewards on fuel spends.
₹125 welcome benefit
- 500 reward pointsSpend ₹5,000 or more within 60 days of issuanceWindow: 60 days from issuance.
Accelerated rewards
- 5 pts per ₹100 on dining online utilities (cap 1000 points / statement)
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹1,00,000 / quarterly: 4,000 reward points on quarterly spend above ₹1,00,000 or credit limit (whichever higher)
Airport lounge access
Insurance benefits
- other: ₹5,00,000Professional indemnity insurance cover up to ₹5 Lakhs.
- air accident: ₹15,00,000Air accidental death cover.
- personal accident: ₹5,00,000Non-air accidental death cover.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.
Exclusively for ICAI members.