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BOBCARD Sentinel Credit Card 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
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CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
BOBCARD Sentinel Credit Card
BOBCARD Sentinel Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.49% per month.
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome BonusComplimentary FitPass Pro & Zomato Pro memberships, plus bonus R.P. on activation and initial spends.
Welcome BonusComplimentary 6-month FitPass Pro membership. 500 bonus Reward Points on spending ₹5,000 or more within 60 days.
Rewards RateUp to 10 Reward Points for every Rs. 100 spent on groceries & departmental stores; 2 R.P. on other retail.
Rewards RateEarn 1 RP on every ₹100 retail spend; 5x RP on dining, online, utility bills (capped).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access8 complimentary access to domestic airport lounges per year (max 2/quarter), subject to ₹20k spend.
Domestic Lounge Access12 complimentary domestic airport lounge accesses annually (3 per quarter).
International Lounge Access
International Lounge Access
Travel Benefits8 complimentary domestic lounge accesses per year, 24/7 concierge services.
Travel Benefits12 complimentary domestic lounge accesses annually; reduced 2% forex markup fee.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsEarn 5x Reward Points on dining spends (capped at 1000 RP/cycle).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250/cycle.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400-₹5,000, capped at ₹250 per month.

Security & Other

Insurance BenefitsInsurance cover worth Rs. 20 lakhs against personal accidental death (Air or Non-Air).
Insurance BenefitsAir accident death cover (₹15L), non-air accident death cover (₹5L), professional indemnity (₹5L).
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
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.

BOBCARD Sentinel Credit Card

BOBCARD ICSI Diamond Credit Card

Who is it for?

The BOBCARD Sentinel Credit Card is a specialized, lifetime-free credit card exclusively designed for Assam Rifles personnel and veterans. It offers a high reward rate of up to 10 Reward Points on groceries and departmental store purchases, along with 8 complimentary domestic airport lounge accesses annually. Cardholders also benefit from a ₹20 lakh personal accidental death insurance cover and various welcome benefits, making it a valuable and feature-rich option for its target audience.

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.

Lifetime free card with zero joining and annual fees offers great accessibility.

High reward rate of up to 10X on groceries and departmental store purchases.

Valuable travel benefits include 8 complimentary domestic airport lounge accesses annually.

Comprehensive insurance cover of ₹20 lakhs for personal accidental death provides security.

Welcome benefits like FitPass Pro, Zomato Pro, and bonus R.P. add significant initial value.

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.

Eligibility is strictly restricted to Assam Rifles personnel and veterans only.

Lounge access becomes spend-based from Jan 2025, requiring ₹20k spend per quarter.

Foreign currency markup of 3.5% is relatively high for international transactions.

Reward points are capped at 1000 for accelerated categories monthly, limiting high earners.

Fuel transactions and select MCCs are excluded from earning any reward points.

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.
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