BOBCARD Easy Credit Card VS BOBCARD ICSI Diamond Credit Card VS ICAI Exclusive BOBCARD Credit Card VS AU Bank InstaPay Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BOBCARD Easy Credit Card
BOBCARD ICSI Diamond Credit Card
ICAI Exclusive BOBCARD Credit Card
AU Bank InstaPay Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime free joining and annual fees under limited-time offer or spend-based waivers.
High 5X reward rate on common spending categories like movies, groceries, and departmental stores.
Base reward points on all other categories and UPI spends, enhancing everyday value.
Zero liability protection for lost cards provides security and peace of mind.
Option to convert large purchases into EMIs and get free add-on cards for family.
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.
Pros
Key benefits and features.
Lifetime free card with zero joining and annual fees, offering great value.
Accelerated 5x Reward Points on dining, utility, and online purchases.
Complimentary 12 domestic lounge access passes annually enhance travel.
Low 2% foreign currency markup makes international transactions cost-effective.
Comprehensive insurance benefits provide significant financial security.
Pros
Key benefits and features.
Lifetime free credit card with no joining or annual charges.
Offers convenience as a virtual credit card for seamless payments.
Provides cashback on UPI spends across various essential categories.
Cons
Key drawbacks and limitations.
The 5X reward points are capped at 1000 Reward Points per statement cycle on accelerated categories.
No specific travel benefits are provided with this card, limiting its utility for travelers.
High foreign currency markup of 3.5% makes international spends expensive.
High interest rates of 3.75% per month on overdue amounts can be a significant drawback.
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.
Cons
Key drawbacks and limitations.
5x rewards on dining, utility, and online purchases are capped at 1000 RP per cycle.
Lounge access benefit requires a minimum spend of ₹40,000 in the preceding quarter.
No Reward Points are earned on fuel transactions, limiting savings in this category.
UPI transactions only earn core Reward Points, missing out on bonus rewards.
Card is exclusive to ICAI members, limiting its accessibility to a wider audience.
Cons
Key drawbacks and limitations.
The card's utility is primarily limited to UPI transactions.
It does not offer welcome benefits or complimentary lounge access.
The 1% cashback rate is modest compared to other market offerings.