BOB ICSI Diamond MASTERCARD Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹0
₹0
2%
14 visits/yr
Contents
A lifetime-free credit card designed exclusively for ICSI members. It combines a high reward rate on everyday spends, milestone bonuses and complimentary wellness membership benefits. Ideal for professionals seeking rewards, lounge access and fitness benefits with zero annual fees.
Features of BOB ICSI Diamond MASTERCARD Credit Card which makes it unique
FitPass Pro
Complimentary fitness platform membership
Access to fitness classes and wellness benefits
Exclusive wellness welcome benefit for ICSI members
Professional-focused Rewards
Offers and rewards targeted at ICSI professionals
Relevant partner offers and protections
Tailored perks vs generic consumer cards
Rewards Structure of BOB ICSI Diamond MASTERCARD Credit Card
Dining
acceleratedAll restaurants
Base
baseAll other spends
Milestones of BOB ICSI Diamond MASTERCARD Credit Card
Quarterly Milestone
Issuer-defined : 3,999 reward points (quarterly on meeting milestone)
Monthly Bonus
Issuer-defined : Periodic bonus points and offers as per BOBCARD terms
Fees & Charges of BOB ICSI Diamond MASTERCARD Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Lifetime free card — no annual fee charged.
Fee Explanation Standard bank rates and regulator-mandated charges apply for overdue amounts and cash advances.
Detailed Explanation of BOB ICSI Diamond MASTERCARD Credit Card Fees
Joining Fee: 0 (one-time)
Lifetime free card
Annual Fee: 0 (yearly)
Lifetime free card
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 or bank T&Cs
Lounge Access Benefits with BOB ICSI Diamond MASTERCARD Credit Card
domestic Lounges
silverVisits per year: 12
Guest access: No
Complimentary domestic lounge access as per BOBCARD schedule
international Lounges
silverVisits per year: 2
Guest access: No
Access via partner programmes where applicable
Insurance Coverage with BOB ICSI Diamond MASTERCARD Credit Card
Travel Insurance
₹10,00,000On international travel as per policy terms
Purchase Protection
₹50,000Claims within 90 days of purchase; T&Cs apply
Additional Features of BOB ICSI Diamond MASTERCARD Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Add-on cards available as per issuer policy
Welcome Bonus with BOB ICSI Diamond MASTERCARD Credit Card
Welcome Bonus: Six-month FitPass Pro membership + 500 reward points.
Bonus Conditions: Welcome perks available to new cardholders only; bonus points credited on meeting initial spend criteria as per issuer terms.
Application Process for BOB ICSI Diamond MASTERCARD Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD official portal or authorised channels
Upload KYC and membership documents
Issuer verification and approval
Card dispatched within 5-7 business days after approval
Required Documents for BOB ICSI Diamond MASTERCARD Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
BOB ICSI Diamond MASTERCARD Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB ICSI Diamond MASTERCARD Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident / ICSI member eligibility applies
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be a member of ICSI (Institute of Company Secretaries of India) and provide valid PAN and KYC documents.
How Approval Is Decided
- ICSI membership (card exclusive for ICSI members)
- Minimum income criteria as per issuer
- Satisfactory credit score and KYC
Pros of BOB ICSI Diamond MASTERCARD Credit Card
- No joining or annual fee
- Strong reward earning potential on dining and milestone bonuses
- Complimentary wellness membership and airport lounge benefits
Cons of BOB ICSI Diamond MASTERCARD Credit Card
- Card is exclusive to ICSI members only
- Partner and redemption lists are subject to issuer change
Frequently Asked Questions about BOB ICSI Diamond MASTERCARD Credit Card
Is there a joining or annual fee?
No. The ICSI Diamond card is lifetime free — no joining or annual fee.
What is the welcome benefit?
Complimentary six-month FitPass Pro membership plus 500 bonus reward points for eligible new cardholders.
How many reward points do I earn?
Earn up to 5 reward points per ₹100 on select categories; base earn on other spends is 1 point/₹100.
Are there milestone bonuses?
Yes — BOBCARD offers periodic milestone bonuses, including quarterly bonus points on meeting issuer-defined spend thresholds.
Who is eligible for this card?
This card is exclusively for ICSI members; applicants must meet BOBCARD KYC and membership requirements.
How long does application processing take?
Processing and dispatch generally take 5–7 business days after verification, subject to issuer processes.
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