BOBCARD ICSI Diamond
Designed in collaboration with the Institute of Company Secretaries of India (ICSI), this Lifetime Free credit card caters to corporate governance professionals. It features 12 domestic airport lounge visits a year, 3,999 quarterly milestone bonus points, a reduced 2.00% forex markup, 12-month FITPASS Pro membership, and ₹5 Lakhs Professional Indemnity Insurance.
Why We Recommend The BOBCARD ICSI Diamond
A high-value Lifetime Free professional card giving Company Secretaries 12 domestic lounge passes, indemnity insurance, and quarterly milestone rewards.
Company Secretaries looking for a Lifetime Free card with 12 annual lounge visits and quarterly milestone rewards.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD ICSI Diamond
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD ICSI Diamond
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD ICSI Diamond
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary visits per calendar year (max 3 per quarter)
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD ICSI Diamond Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
12 complimentary domestic airport lounge visits per year (3 per quarter).
3,999 bonus reward points every quarter on spending more than ₹1 Lakh or credit limit.
Free Professional Indemnity Insurance Cover up to ₹5 Lakhs, plus ₹15L Air and ₹5L Non-Air accidental death cover.
Honest Pros & Cons of the BOBCARD ICSI Diamond
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Zero joining or annual renewal fees for life for ICSI members.
- Generous 12 domestic lounge visits per year and 3,999 quarterly bonus points.
- Low 2.00% forex fee for overseas travel and 12-month FITPASS Pro membership.
Things to Consider (Cons)
- Exclusively available to registered members of ICSI.
- Requires ₹40,000 spend in the preceding calendar quarter to unlock lounge visits.
- 5X points acceleration is capped at 1,000 RPs per statement cycle.
Who Can Apply for the BOBCARD ICSI Diamond?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
730+ Score Recommended
Applicants with a score above 730 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD ICSI Diamond
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD ICSI Diamond is Nil (Lifetime Free for ICSI Members).
You can have this fee completely waived by meeting the annual spend milestone: Lifetime Free unconditionally for verified ICSI members. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD ICSI Diamond features: 5X Reward Points (5 RPs per ₹100 = 1.25% return) on dining, online, and utility bills + 3,999 quarterly bonus RPs.
Base reward: 1 Reward Point per ₹100 spent on standard retail categories (0.25% return).
Accelerated reward: 5 Reward Points per ₹100 spent on dining, utility bills, and online spends (capped at 1,000 RPs/statement cycle); plus 3,999 bonus RPs every quarter on spending ₹1,00,000 or credit limit (whichever is higher).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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BOBCARD Corporate
An institutional corporate card created for companies and partnerships to govern employee travel, lodging, and business expenses. Issued with zero joining fee and a ₹1,000 annual fee (waived on ₹1,00,000 annual spend), it features fourth-line company name embossing, categorized employee spend statements, and 8 domestic airport lounge visits annually.
Ready to Apply for the BOBCARD ICSI Diamond?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.