Our Money Guide

Bank of Baroda ICSI Diamond Credit Card is an exclusive card for ICSI members.

The card is lifetime free.

You get travel benefits like complimentary domestic airport lounge access (3 per quarter), and reduced fee of 2% on international card transactions.

BOB ICSI Card

Brief Summary

Our Rating
3.75 / 5

Our View

Best for those who travel by rail frequently. You get 10% benefit on AC class rail tickets in the non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep) , and 4% benefit in peak travel season (1st April – 14th July, and 16th Sep – 14th Jan), when you book your tickets on IRCTC. You also get complimentary railway lounge access – once a quarter.

Annual fee of the card is ₹350, from 2nd year onwards. In the 1st year only, the annual fee is ₹500, which is compensated partially by the welcome offer of ₹250.

on BOB Financial website

Bank of Baroda ICSI Diamond Credit Card

Special Benefits

Upto 10% benefit on AC class rail tickets, at IRCTC

Other Benefits

Complimentary railway lounge access in India

Minimum Income

₹3.60 lakhs per year (salaried), ₹4.80 lakhs per year (self-employed)

Annual Fee

₹ 350

Annual Fee Offers

Welcome offer worth ₹250

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
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IRCTC BoB Rupay Credit Card
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Snapdeal Credit Card
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Premier Credit Card
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Prime Credit Card
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Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

Pros and Cons of Bank of Baroda ICSI Diamond Credit Card

Pros
  • Lifetime free card, there is no annual fee
  • Complimentary domestic airport lounge access (3 per quarter),
  • Reduced fee of 2% on international card transactions.
Cons
  • You could get higher reward rates on other cards.

Features & Benefits of the Bank of Baroda ICSI Diamond Credit Card

Exclusively designed card for ICSI members

All eligible & active members of ICSI are eligible, subject to credit policy of BOB.

Lifetime free card

The card has no annual fee, it is a lifetime free card.

Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

1.25% cashback on ‘online spends’, dining spends and utility bill payments

You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories.

1 reward point = ₹0.25, and can be redeemed as cashback.

0.25% cashback on all other card spends

You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases.

1 reward point = ₹0.25, and can be redeemed as cashback.

Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Additional benefits (milestone benefits)

You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

Complimentary access to airport lounges in India – 3 per quarter

You get free visits to airport lounges in India, 12 times per year (maximum 3 times per quarter).

Cardholders who have the Mastercard variant of the credit card, please click here for details.

Cardholders who have the Rupay variant of the credit card, please click here for details.

Reduced fee of 2% on international credit card transactions

 Fuel surcharge waiver, upto ₹250 per month

Complimentary insurance benefits

You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

BOB customer care number

Please click here, to see all available options to contact your card issuer.

3 free add-on cards

Bank of Baroda PRIME Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones.

Lifetime free add-on cards : You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Bank of Baroda ICSI Diamond Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining feeLifetime freeWelcome offers :
– You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance.
– You also get a FITPASS Pro membership for 6 months worth ₹15000.
Renewal fee from 2nd year onwardsLifetime free

Late payment fee

Total payment amount dueLate fee
Less than ₹100Zero
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1100
More than ₹50,000₹1300

Interest charges on overdue balances – 3.60% per month

Foreign transaction fee – 2%

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Bank of Baroda Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholders : 21 years
Add-on cardholders : 18 years
Maximum age65 years
OccupationAll eligible & active members of ICSI are eligible, subject to credit policy of BOB
Minimum income requirementsNot specified

Application Process & Tracking Your Application Status

Step-by-step guide

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the BOB Financial website. You can also visit official website of BOB Financial and fill out the application form.

You can apply online in 3 simple steps :
– Complete the e-application
– Aadhaar based e-signature
– Confirm your application with a video KYC
Offline (face to face)  application processYou can also visit any of the nearest branches of the bank and talk to an executive regarding the process.
Application tracking You can track your application by clicking here.

Necessary documents and verification

Required documents 
– PAN card

– Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government

– Income proof :
Salaried : Last 2 months salary slip + bank statement showing salary credits
Self-employed : Latest income tax return (ITR)
Apply Now

on BOB Financial website

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