Bank of Baroda ICAI Exclusive Credit Card
Bank of Baroda Bank of Baroda

Bank of Baroda ICAI Exclusive Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Welcome benefits:- Welcome Gift of FitPass Pro Membership worth Rs. 15,000 & 1,000 reward points.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Bank of Baroda ICAI Exclusive Credit Card

Bank of Baroda has introduced a credit card exclusively for ICAI members. This lifetime free card offers bonus reward points on dining, online purchases, and utility bill payments. Cardholders also get 12 complimentary domestic airport lounge visits every year. Below are the key features and benefits of the Bank of Baroda Exclusive Credit Card for ICAI members.

Bank of Baroda ICAI Exclusive Credit Card Rewards Program

Rewards Program

  • 5 reward points per Rs. 100 on dining, online spends, and utility bills
  • 1 reward point per Rs. 100 on other spends
  • 1 reward point = Re. 0.25 cashback
  • Earn 1,000 reward points monthly by making 5 transactions of Rs. 1,000 or more

Other Features and Benefits

Welcome Gift

  • FitPass Pro membership worth Rs. 15,000
  • 1,000 reward points on transactions within 30 days of card issuance
  • Lifetime free card – no joining or annual fee

Lounge Access

  • 12 free domestic airport lounge visits per year
  • Restricted to 3 visits per calendar quarter
  • Minimum spending of Rs. 40,000 in the previous quarter required

Low Foreign Exchange Mark-up Rate

  • Only 2% fee on foreign transactions

Spend Milestone Benefit

  • Earn 4,000 reward points every quarter on spending above your credit limit

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions between Rs. 400–5,000
  • Maximum waiver: Rs. 250 per statement cycle

Insurance Coverage

  • Professional Indemnity Insurance Cover: Rs. 5 lakh
  • Non-air accidental death cover: Rs. 5 lakh
  • Air accidental death cover: Rs. 15 lakh

Fees and Charges

Type of Fees or ChargeAmount
Joining FeeNil
Annual FeeNil
Cash Withdrawal Charges2.5% / Min. Rs. 500
Finance Charge3.49% p.m. | 41.88% p.a.
Cheque Return ChargesMin. Rs. 300 | 2% of the amount
Foreign Currency Transaction Fee2% of the transaction amount
Unblocking ChargeRs. 300
Late Payment ChargesAmount less than Rs. 100 – Nil
Amount between Rs. 100 and Rs. 500 – Rs. 100
Amount between Rs. 501 and Rs. 1,000 – Rs. 400
Amount between Rs. 1001 and Rs. 10,000 – Rs. 600
Amount between Rs. 10,001 and Rs. 25,000 – Rs. 800
Amount Greater than Rs. 25,000 – Rs. 950

Things to Know Before you apply

Get this card if:

  • You are an ICAI member and want a lifetime free credit card.
  • You spend on dining, online purchases, and utility bills to earn reward points.
  • You want free domestic airport lounge access.
  • You want a card with basic insurance coverage and cashback options.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Bank of Baroda ICAI Exclusive Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Bank of Baroda ICAI Exclusive Credit Card Hilights

What do we like about this card?

  • Welcome gift: FitPass Pro membership worth Rs. 15,000 and 1,000 reward points
  • Earn up to 5 reward points per Rs. 100 on dining, online spends, and utility bills
  • Earn 1,000 reward points every month
  • 12 free airport lounge visits at select domestic airports (on spending min. Rs. 40,000 in the previous quarter)
  • Low foreign exchange mark-up fee of 2%
  • Earn 4,000 reward points every quarter on spending above your credit limit
  • Insurance cover: Professional Indemnity, Air accidental death, and Non-air accidental death

Pros

  • Lifetime free credit card (no joining or annual fee)
  • Earn reward points on multiple categories
  • Free 12 domestic airport lounge visits per year
  • Low foreign exchange mark-up fee of 2%
  • Complimentary FitPass Pro membership worth Rs. 15,000
  • Up to 3 lifetime free add-on cards

Cons

  • Reward points redemption rate is low (Re. 1 per 4 points)
  • Lounge access requires minimum quarterly spends
  • No reward points on fuel and some select MCCs

Bank of Baroda Credit Card Contact Details

  • Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
  • Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
  • Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
     

Frequently Asked Questions

Everything you need to know about this credit card

A. This credit card is available only to ICAI members. Applicants must submit a photocopy of their ICAI Membership Card to apply.

A. Yes, you can get up to 3 lifetime free add-on cards. These can be issued to your immediate family members.

A. Add-on cardholders must be over 18 years old and directly related to the primary cardholder.

A. Reward points can be redeemed for cashback. The redemption rate is Re. 1 for every 4 reward points.

A. Yes, you can use your reward points to reduce your credit card bill through the cashback option.

A. For any queries or support, you can call the Bank of Baroda Credit Card customer care at 1800 22 5100.

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