All cards / Bank of Baroda
BOBCARD ICAI Exclusive Credit Card
A lifetime-free BOBCARD built specifically for members of the Institute of Chartered Accountants of India, offering accelerated rewards on dining, online spends and utilities plus lounge access tied to milestone spending. It's a solid everyday card for eligible ICAI members who don't want to pay an annual fee.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Domestic lounge access: 3 complimentary domestic lounge visits per quarter on ₹40,000 quarterly spend
Benefits by category
- 🍽️ Dining & food delivery
1.25% reward rate (capped ₹250/monthly) · 5X reward points on dining, online shopping and utility bill payments.
- ✈️ Travel
Up to 12 complimentary domestic airport lounge visits per year on milestone spend.
- 🛡️ Insurance
Bundled accident and purchase protection cover.
- 🛍️ Shopping
1.25% reward rate (capped ₹250/monthly)
- 🧾 Utilities
1.25% reward rate (capped ₹250/monthly)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 2%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Up to 12 complimentary domestic airport lounge visits per year on milestone spend.
- Bundled accident and purchase protection cover.
- 5X reward points on dining, online shopping and utility bill payments.
Pros
- + Lifetime free — no joining or annual fee
- + 5X rewards on dining, online and utility spends
- + Up to 12 domestic lounge visits on milestone spend
Cons
- − Eligibility restricted to ICAI members
- − Lounge access requires hitting a spend milestone
- − No international lounge access
Best for