ICAI Exclusive BOBCARD Credit Card
Updated 3 Jul 2026Source-linked
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.
ICAI Exclusive BOBCARD Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- 5 pts per ₹100 on dining online utilities (cap 1000 points / statement)
- Base 0.18% on other spends
Welcome Benefits
- 500 reward points
BoBsignaturemidLifetime freeCo-brand · ICAIRewards and Benefits
Rewards Rate
5 pts per ₹100 on dining online utilities (cap 1000 points / statement)
Base 0.18% on other spends.
Reward Redemption
BOBCARD Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
500 reward points
Milestone Rewards
- ₹1,00,000 / quarterly: 4,000 reward points on quarterly spend above ₹1,00,000 or credit limit (whichever higher)
Domestic Lounge Access
3 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- other: ₹5,00,000
- air accident: ₹15,00,000
- personal accident: ₹5,00,000
Other Benefits
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- 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.
Cons
- 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
Domestic
3 visit(s) / quarterly. Via visa, dreamfolks.
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.