BOBCARD ICAI Exclusive
An institutional credit card developed exclusively for qualified members of the Institute of Chartered Accountants of India (ICAI). Issued unconditionally Lifetime Free, it provides 5X rewards on travel and dining, a subsidized 2.00% foreign exchange markup, domestic airport lounge access, and complimentary fitness passes.
Why We Recommend The BOBCARD ICAI Exclusive
An exceptional Lifetime Free professional card offering lounge access and low forex rates for qualified CAs.
Chartered Accountants wanting a premium, low-forex card without annual recurring fees.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD ICAI Exclusive?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD ICAI Exclusive
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD ICAI Exclusive
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary visits per calendar year (max 1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD ICAI Exclusive Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Subsidized 2.00% foreign exchange transaction markup.
Complimentary domestic airport lounge access each quarter.
Personal accidental death insurance coverage up to ₹15 Lakhs.
Pros & Cons of the BOBCARD ICAI Exclusive
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Lifetime Free premium card exclusively for qualified Chartered Accountants.
- Subsidized 2.00% forex markup for international professional tours.
- Complementary FITPASS fitness membership and airport lounge privileges.
Things to Consider (Cons)
- Strictly restricted to verified Institute of Chartered Accountants of India (ICAI) members.
- International Priority Pass visits are not included.
- Accelerated reward tiers carry monthly capping limits.
Who Can Apply for the BOBCARD ICAI Exclusive?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD ICAI Exclusive
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD ICAI Exclusive?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.