Overview
The BOBCARD ICSI Diamond Credit Card is a Mid credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).
Annual Fee: Lifetime Free
Eligibility: Must be an active ICSI member. Salaried: Min. ₹3.6 lakh annual income. Self-employed: Min. ₹6 lakh annual income. CIBIL ≥ 750 recommended.
Reward Rates & Cashback Rules
- CATEGORY – Dining: 5.0% cashback | monthly cap ₹250.0 ⚠️ Cap of 1,000 points (₹250) is shared across Dining, Online, and Utility spends per month. Spends beyond this limit earn 1 point per ₹100.
- ALL_ONLINE: 5.0% cashback | monthly cap ₹250.0 ⚠️ Cap of 1,000 points (₹250) is shared across Dining, Online, and Utility spends per month. Spends beyond this limit earn 1 point per ₹100.
- CATEGORY – Utilities: 5.0% cashback | monthly cap ₹250.0 ⚠️ Cap of 1,000 points (₹250) is shared across Dining, Online, and Utility spends per month. Spends beyond this limit earn 1 point per ₹100.
- CATEGORY – Fuel: 0.0% cashback
- CATEGORY – Rent: 0.0% cashback
- CATEGORY – Wallet Load: 0.0% cashback
- CATEGORY – Insurance: 0.0% cashback
- CATEGORY – Education: 0.0% cashback
- CATEGORY – Government: 0.0% cashback
Key Features & Benefits
- Domestic Lounge Access ✈️: 12 complimentary domestic airport lounge visits per year (3 per quarter), subject to spending a minimum of ₹40,000 in the previous calendar quarter.
- Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.
- Welcome Benefits 🎁: Complimentary 6-month FITPASS Pro membership and 1,000 bonus reward points on making a transaction within 30 days of card issuance.
- Insurance Coverage 🛡️: Includes professional indemnity insurance cover of ₹5 lakhs, air accident death cover of ₹15 lakhs, and non-air accident death cover of ₹5 lakhs.
- Monthly Bonus Rewards ⭐: Earn 999 bonus reward points by completing 5 transactions of ₹1,000 or more in a month.