What are the joining and renewal fees for the ICAI Exclusive BOBCARD Credit Card?

The ICAI Exclusive BOBCARD Credit Card is lifetime free, meaning there are no joining or annual renewal fees.

Does the ICAI Exclusive BOBCARD Credit Card offer welcome benefits?

Yes, cardholders receive a complimentary 6-month Fitpass Pro Membership and 500 bonus Reward Points on spending ₹5,000 within 60 days of card issuance.

What are the main reward earning rates with the ICAI Exclusive BOBCARD Credit Card?

Earn 5X Reward Points (5 RPs per ₹100) on dining, online purchases, and utility bills, and 1 RP per ₹100 on all other categories.

How can I redeem reward points earned with my ICAI Exclusive BOBCARD Credit Card?

Reward points can be redeemed for cashback, where 1 Reward Point equals ₹0.25, or against various options on the BOBCARD Rewards portal.

Does the ICAI Exclusive BOBCARD Credit Card provide airport lounge access?

Yes, enjoy 12 complimentary domestic airport lounge accesses annually (3 per quarter), subject to minimum spends from Jan 1, 2025.

What insurance benefits are included with the ICAI Exclusive BOBCARD Credit Card?

The card provides Professional Indemnity Insurance (up to ₹5 Lakhs), Air accident death cover (₹15 Lakhs), and Non-air accident death cover (₹5 Lakhs).

What is the foreign currency markup fee on the ICAI Exclusive BOBCARD Credit Card?

The ICAI Exclusive BOBCARD Credit Card features a reduced foreign currency markup of 2% on all international transactions.

Is there a fuel surcharge waiver with the ICAI Exclusive BOBCARD Credit Card?

Yes, enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

Who is eligible to apply for the ICAI Exclusive BOBCARD Credit Card?

This card is exclusively for eligible and active members of ICAI, aged 21-75, with a minimum annual income/ITR of ₹3 lakhs and a decent credit score.

Can I get add-on cards with the ICAI Exclusive BOBCARD Credit Card?

Yes, you can get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years of age.

Bank of Baroda

ICAI Exclusive BOBCARD Credit Card

PremiumDiningUtilities

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary 6-months Fitpass Pro Membership worth ₹15,000 and 500 bonus Reward Points on ₹5,000 spend.

Rewards Rate

Earn 5 Reward Points per ₹100 on dining, online & utility; 1 RP per ₹100 on other spends.

Reward Type

Reward Points

Reward Redemption

Redeem accumulated reward points for cashback (1 RP = ₹0.25) or via BOBCARD Rewards portal.

Domestic Lounge Access

Get 12 complimentary access passes (3 per quarter) to domestic airport lounges, spend-based from Jan 2025.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Professional Indemnity (₹5L), Air accident (₹15L), and Non-air accident (₹5L) death cover included.

Movie

Not Applicable

Dining

Earn 5X Reward Points per ₹100 spent on dining (capped at 1000 RPs per statement cycle).

Travel Benefits

Enjoy 12 complimentary domestic lounge access and a reduced 2% Forex mark-up on international spends.

What matters, explained clearly

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Frequently Asked Questions

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