The Bank of Baroda ICSI Diamond Credit Card is a lifetime-free card exclusively for ICSI members, offering a blend of rewards, travel perks, and financial protection. Cardholders receive a welcome gift of a complimentary FitPass Pro membership along with 500 bonus reward points. You can earn up to 5 Reward Points for every ₹100 spent, with opportunities to earn 999 bonus points monthly and 3,999 bonus points quarterly upon achieving spending milestones. The card also provides annual complimentary airport lounge access, free air accident insurance coverage, and a reduced forex markup fee of 2% for international transactions. Additional benefits include a fuel surcharge waiver, zero liability protection on lost cards, and various other privileges, making it an ideal choice for ICSI members seeking rewards, travel benefits, and security in one card.
Bank of Baroda ICSI Diamond Card Rewards Program
Reward Points
Earning Rate: Earn 1 Reward Point for every ₹100 spent on retail purchases.
Accelerated Rewards: Get 5x Reward Points on spending in categories like utility bills, dining, and online shopping.
Exclusions: No Reward Points are earned on fuel transactions.
Reward Redemption:
Points can be redeemed for cashback and a variety of options available on the BOBCARD Rewards portal.
Value: 1 Reward Point = ₹0.25.
Other Features and Benefits
Welcome Benefit
Free 6-month FitPass Pro membership worth ₹15,000.
Travel Benefits
Get 12 complimentary domestic airport lounge accesses annually (3 per quarter) on achieving a minimum spend of ₹40,000 in the previous quarter.
Save on international spending with a reduced forex markup of 2%.
Milestone Rewards
Earn 1,000 Reward Points on transactions within 30 days of card issuance.
Earn 3,999 Reward Points every quarter on spending above the card’s limit.
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India.
Maximum waiver per statement cycle: ₹250.
Other Benefits
Complimentary Insurance: Professional indemnity insurance cover of ₹5 lakh, air accident death cover of ₹15 lakh, and non-air accident death cover of ₹5 lakh.
Zero Liability on Lost Card: Report a lost card to ensure zero liability on fraudulent transactions.
Note: From Jan 2025, a 1% processing fee applies to wallet loading transactions, utility payments above ₹50,000, and fuel transactions above ₹10,000.
Fees and Charges
Type of Fees / Charges
Amount / %
Joining Fee
Nil
Annual Fee
Nil
Things to Know Before you apply
Get this card if:
Frequent shoppers looking to earn high Reward Points.
Travelers wanting domestic airport lounge access.
Individuals looking to save on fuel surcharge.
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 ICSI Diamond 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 ICSI Diamond Card Hilights
What do we like about this card?
6-month free FitPass Pro membership worth ₹15,000
Earn 5 Reward Points per ₹100 spent on dining, online purchases, and utility bills
Get 1,000 bonus Reward Points for using the card within the first 30 days of issuance
Pros
Lifetime-free credit card with no joining or annual fees
High reward rate on dining, online, and utility spends (5 RP per ₹100)
Complimentary 6-month FitPass Pro membership worth ₹15,000
Bonus milestone rewards for early and quarterly spending
Travel benefits including domestic airport lounge access
Fuel surcharge waiver of 1% on eligible transactions
Cons
No rewards on fuel transactions
Reward points capped on certain categories (monthly/quarterly limits)
1% processing fee on wallet loading, high-value utility, and fuel transactions above thresholds
Benefits mostly suit frequent shoppers and travelers; casual users may gain less value
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
Bank of Baroda
Airport Lounge Access
Fuel
Reward Points
