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BOBCARD ICSI Diamond Credit Card VS ICICI Bank Business Advantage Blue 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.

Features

BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card
ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card

Fees & Charges

Joining Fee
Nil
₹500 + GST
Renewal Fee
Nil
₹500 + GST
Spend Based Waiver
Nil. Lifetime free card with zero joining and annual fees, no waiver needed.
Joining fee waived on ₹50k spend in 60 days; annual fee waived on ₹5L spend/year.
Foreign Transaction Fees
2% of the total transaction amount.
3.5% on all international transactions.
Interest Rate (APR)
3.49% per month.
3.40% to 3.75% per month (40.80% to 45% annually) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 & 500 Reward Points on ₹5k spend.
The joining fee of ₹500 + GST can be waived off if you spend ₹50,000 or more within the first 60 days of card issuance.
Rewards Rate
Up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others.
Up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
Nil
Nil.

Travel & Lifestyle

Domestic Lounge Access
12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025.
2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter.
International Lounge Access
Not Applicable
Not applicable.
Travel Benefits
Complimentary domestic lounge access & low 2% foreign currency markup for international usage.
Assistance with flight/hotel reservations & 2 complimentary domestic lounge visits per quarter.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Earn 5 Reward Points per ₹100 spent on dining.
Avail minimum 15% discount on dining bills at 2500+ partnered restaurants under Culinary Treats Program.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle.
1% waiver at HPCL, max ₹500/month, on fuel spends up to ₹5,000.

Security & Other

Insurance Benefits
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Extensive coverage: Air accident (₹75L), accidental death (₹5L), medical (₹1L), lost card (₹1L).
Cash Advance Charges
2.5% (min ₹300) domestic ATMs; 3% (min ₹300) international ATMs.
2.5% of transaction amount or ₹300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD ICSI Diamond Credit Card

ICICI Bank Business Advantage Blue Card

Who is it for?

The BOBCARD ICSI Diamond Credit Card is a lifetime-free, exclusive card for active ICSI members. It offers robust rewards up to 5x on dining, online & utilities, generous milestone bonuses, and complimentary domestic lounge access. Cardholders also benefit from comprehensive insurance, a low 2% foreign currency markup, and valuable perks like a fuel surcharge waiver and free add-on cards. This card delivers premium privileges and security tailored for professionals.

Who is it for?

The ICICI Bank Business Advantage Blue Credit Card is tailored for professionals and entrepreneurs, offering valuable cashbacks on business expenses like airline, hotel, and restaurant spends. It provides significant savings through waivable fees, complimentary domestic lounge access, and extensive insurance coverage. With 24x7 concierge services and modern payment technology, it simplifies business spending and optimizes savings efficiently.

Pros

Key benefits and features.

Lifetime free card, eliminating any concerns about joining or annual fees.

Offers robust reward programs with accelerated points and generous milestone bonuses.

Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.

Provides extensive insurance coverage for professional indemnity and accidental death.

Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.

Pros

Key benefits and features.

Excellent for entrepreneurs, optimizing business expenditures with significant savings.

Offers cashbacks on frequent business expenses, including airline, hotel, and dining.

Provides comprehensive insurance coverage, enhancing security and peace of mind.

Both joining and annual fees are reasonable and can be waived by meeting spend targets.

Includes valuable perks like domestic airport lounge access and 24x7 concierge services.

Cons

Key drawbacks and limitations.

Exclusive card available only to active members of the Institute of Company Secretaries of India.

Accelerated reward points on specific categories are capped at 1000 RPs per cycle.

Domestic lounge access will require a minimum spend condition from January 2025.

No complimentary international airport lounge access provided with this credit card.

Reward points are primarily offered, with direct cashback not being a primary earning type.

Cons

Key drawbacks and limitations.

Cashback earnings are tiered and subject to statement balance thresholds, limiting initial rewards.

Cashback is restricted to specific categories like airline, hotel, and restaurant spends.

A maximum monthly cashback cap of ₹2,000 may limit significant high-spenders.

Does not offer any complimentary international airport lounge access benefits.

No cashback on common spends like fuel, insurance, or cash withdrawals.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.