What is the ICSI Diamond BOBCARD Credit Card?

The ICSI Diamond BOBCARD Credit Card is an exclusive, lifetime-free credit card designed for members of The Institute of Company Secretaries of India (ICSI). It comes with 5X rewards on dining, utility & online spends, airport lounge access on milestone spends achievement, insurance cover, and more - all with zero joining and annual fees.

How can I apply for the ICSI Credit Card?

You can apply online here in just 3 simple steps: 1. Fill out the application form. 2. Complete e-signing with your Aadhaar. 3. Verify your identity through Video KYC. Alternatively, you can reach out to customer support or visit any Bank of Baroda branch to initiate the application process. Once approved, your card will be delivered to your registered address.

What is the minimum salary required to get an ICSI BOBCARD Credit Card?

Salaried BoB Customers: ₹3 lakhs net annual income or above. Self-employed BoB Customers: ₹3 lakhs annual ITR or above

Can I apply for an ICSI BOBCARD Credit Card if I am self-employed?

Yes. Self-employed ICSI members are eligible as long as their latest ITR reflects an income of ₹3 lakhs or more per year.

Is there any joining fee for the ICSI Diamond BOBCARD Credit Card?

No. The ICSI Diamond BOBCARD Credit Card comes with ZERO joining fee and ZERO annual fee, making it a lifetime-free card for members.

Can I use the ICSI Credit Card internationally?

Yes. The card is valid worldwide. You also enjoy a reduced forex markup of just 2% on international transactions, making it more cost-effective for global usage.

How long does it take to receive my ICSI BOBCARD Credit Card after applying?

Once your application details are submitted, e-sign, Video KYC & verification are completed successfully, the approval is quick. The physical card is usually delivered within 7–10 working days to your registered address.

Does the ICSI BOBCARD Credit Card offer travel benefits?

Yes. As an ICSI Diamond member, you get: 12 airport lounge accesses per year (3 per quarter) on achieving quarterly milestone spends. Reduced forex markup of 2% on international transactions.

What is the minimum credit score required for an ICSI BOBCARD Credit Card?

A good credit history is required. Typically, a CIBIL score of 700+ improves the chances of approval, though final approval depends on income eligibility and BOBCARD's credit policy.

What insurance covers are included with the ICSI Diamond BOBCARD Credit Card?

Professional Indemnity Insurance up to ₹5 lakhs. Air accident death cover of ₹15 lakhs. Non-air accident death cover of ₹5 lakhs.

What other benefits come with the ICSI Diamond BOBCARD Credit Card?

1 Reward Point on all other spends categories which are not included in 5X rewards categories and special MCC list. Redeem all your accumulated reward points for cashback. 1 Reward Point = ₹0.25. Milestone Rewards: 500 bonus points on spends above ₹5000 within first 60 days. Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹5,000 (₹250 per statement). Smart EMI: Convert spends above ₹2,500 into EMIs of 6 to 48 months. 3 Free Add-on cards for family members above age 18. Zero Liability on lost card (once reported)

Credit Cards

BusinessEntryVisa✦ ICSI

ICSI Diamond Credit Card

Professional perks without the annual fee burden

Annual feeLifetime Free

Rewards1.00%1 Reward Point per ₹100

Forex markup2%Save on international spends with 2% Reduced Forex mark-up.

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Welcome benefits

worth ₹48,000

Complimentary 12-months FITPASS PRO Membership and 500 reward points on spend of ₹5,000 and above within 60 days

Type: Fitness Membership
Trigger: Card Issuance
Partner: FITPASS PRO
Validity: 60 days

Rewards

Base earn rate

1 Reward Point per ₹100 spent on all other categories

Excludes: Fuel, Select MCCs

Category	Rate	Cap
Dining	5 Reward Point/₹100	5X Rewards are capped at 1000 Reward Points on the mentioned categories per statement cycle
Online	5 Reward Point/₹100	5X Rewards are capped at 1000 Reward Points on the mentioned categories per statement cycle
Utility Bills	5 Reward Point/₹100	5X Rewards are capped at 1000 Reward Points on the mentioned categories per statement cycle

Milestone benefits

Earn 500 reward points on spend of ₹5,000 and above within 60 days of card issuance & an additional 3999 Reward Points every quarter, on spending more than ₹1 Lac or your card's credit limit. (whichever is higher)

Lounge access

Domestic

12visits / year

Max 3 per quarter
Requires ₹40,000 prior spend

BOBCARD Airport Lounge Access Program lounge programme →

International

Not included

Fees & charges

Joining fee: ZERO Joining & Annual Fees
Annual / renewal fee: Lifetime free
Add-on card fee: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18).
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: Save on international spends with 2% Reduced Forex mark-up.
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹15L

Air accident death cover of ₹15 Lakhs

Credit liability

₹5L

Eligibility

Income (salaried): For Salaried BoB Customers Minimum Net Annual Income is ₹3.6 Lakh. For Self-employed BoB Customers Minimum Net Annual Income is ₹3 Lakh
Income (self-employed): ₹3L/year
Age: 21–75 years

Employment types

SalariedSelf-Employed

Required documents

KYC Documents
PAN card photocopy
Photocopy of ICSI Membership Card
Latest Salary Slip/ Latest ITR OR (in case you have any other credit card, a copy of the same along with latest bill statement)
Current Residence Proof
1 Recent Passport-size Photograph