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Aditya Birla AU Bank Credit Cards VS BOBCARD ICSI Diamond Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

BOBCARD ICSI Diamond is restricted to active ICSI (Company Secretary) members but rewards that exclusivity well - 5 Reward Points per ₹100 on dining, online, and utility spends, 12 complimentary domestic lounge visits a year, and professional indemnity plus accidental-death insurance, all lifetime free. Aditya Birla AU Bank is open to anyone, also lifetime free, and earns up to 10X points on select categories with lounge access but no insurance cover. If you qualify for ICSI membership, Diamond's richer lounge allowance and insurance make it the stronger free card; everyone else defaults to Aditya Birla AU Bank.

Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining Fee₹900 + GST
Joining FeeLifetime Free
Renewal Fee₹900 + GST
Renewal FeeLifetime Free
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (Flex, Biz) of the transaction amount.
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Welcome BonusComplimentary 6-month FitPass Pro membership. 500 bonus Reward Points on spending ₹5,000 or more within 60 days.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Rewards RateEarn 1 RP on every ₹100 retail spend; 5x RP on dining, online, utility bills (capped).
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
Domestic Lounge Access12 complimentary domestic airport lounge accesses annually (3 per quarter).
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
International Lounge Access
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Travel Benefits12 complimentary domestic lounge accesses annually; reduced 2% forex markup fee.
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Movie Benefits
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Dining BenefitsEarn 5x Reward Points on dining spends (capped at 1000 RP/cycle).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400-₹5,000, capped at ₹250 per month.

Security & Other

Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Insurance BenefitsAir accident death cover (₹15L), non-air accident death cover (₹5L), professional indemnity (₹5L).
Cash Advance Charges2.5% of the cash advance amount.
Cash Advance Charges2.5% (min ₹300) domestic; 3% (min ₹300) international.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Aditya Birla AU Bank Credit Cards

BOBCARD ICSI Diamond Credit Card

Who is it for?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

Who is it for?

The BOBCARD ICSI Diamond Credit Card is an exclusive, lifetime-free credit card designed for active ICSI members. It offers accelerated 5x rewards on dining, online, and utility spends, along with 12 complimentary domestic airport lounge accesses annually. With a low 2% foreign currency markup and comprehensive insurance, this card is ideal for professionals seeking strong rewards and travel benefits without annual fees.

Pros

Key benefits and features.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

Pros

Key benefits and features.

Lifetime free card with zero joining and annual fees, offering great value.

Accelerated 5x Reward Points on dining, online, and utility bill payments.

Enjoy 12 complimentary domestic airport lounge accesses annually for travel convenience.

Reduced foreign currency markup of 2% makes international transactions more affordable.

Comprehensive insurance coverage provides financial security for cardholders.

Cons

Key drawbacks and limitations.

The multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

Cons

Key drawbacks and limitations.

5x accelerated rewards are capped at 1000 Reward Points per statement cycle.

Complimentary lounge access will become spend-based from January 1, 2025.

No Reward Points are earned on fuel transactions, limiting benefits in this category.

UPI transactions only earn core Reward Points, missing out on bonus rewards.

Card is exclusively available only for active members of The Institute of Company Secretaries of India.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for BOBCARD ICSI Diamond Credit Card(opens in new tab)