Bank of Baroda
BOBCARD ICSI Diamond Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
2%
Welcome Benefits
Free Fit Pass Pro Membership for 6 Months and 500 Bonus Reward Points
Product Highlights
- Complimentary 6-month Fit Pass Pro membership.
- Get up to 5 Reward Points on every ₹100 you spend.
- Get free domestic lounge access every year.
- Get a low forex markup fee of only 2%.
- Get air accidental covers worth ₹15 lakhs.
Category Rewards
utilities
5x Rewards on utility bills
5X
dining
5x Rewards on dining
5X
shopping
5x Rewards on online purchases
5X
Reward Calculator
Earns ₹1,500/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
BOBCARD Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.50%
Annual fee
FREE
Year 1 net
+₹1,500
Year 2+ net
+₹1,500
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1 Reward Point on every spend of ₹100 and 5x Rewards on utility bills, dining, and online purchases.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 12 complimentary domestic lounge access every year (3 per quarter) Full lounge access description
Pros & Cons
Pros
- Lifetime free card.
- High reward rate on utility, dining, and online purchases.
- Complimentary lounge access.
- Low forex markup fee.
Cons
- No reward points on fuel purchases.
- Limited international lounge access.
Additional Info
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Networks