BOBCARD ICSI Diamond Credit Card: Features

Summary

Specifically tailored credit cards meant only for members of the Institute of Company Secretaries of India (ICSI) are the BOBCARD ICSI Diamond Credit Card. Made available by BOBCARD Limited, a Bank of Baroda affiliate, this card offers professionals the ideal combination of convenience, rewards, and prestige.

First of all, the card presents appealing welcome rewards—one thousand reward points on the first transaction. It is quite profitable as you keep using the card; you get 5 reward points on every ₹100 spent on dining, utilities, and online shopping, while other purchases earn 2 points.

Moreover, the card offers a 1% fuel surcharge waiver for purchases between ₹400 and ₹5,000, so you save money on gasoline costs. For frequent travelers, it provides free access to domestic airport lounges, improving your travel experience by providing more comfort.

Introduction

Today, credit cards serve more as a symbol of financial freedom, smart spending, and lifestyle convenience than only a payment tool. Choosing which credit card to use can be challenging, considering the several ones available on the market. But right away, why does it appeal, and is it more relevant when a credit card is meant for a particular set of professionals? 

Over the years, it has introduced several credit cards to appeal to various client groups. But the ICSI Diamond Credit Card stands out with its unique features and custom benefits that precisely match the busy life of corporate secretaries. This card addresses not only expenditure but also the whole experience the user has in travel, shopping, incentives, or regular transactions.

Moreover, this card celebrates the cooperation between BOBCARD and ICSI, appreciating the contribution made by corporate secretaries in the corporate scene. For members of ICSI, the card is therefore rather valuable since it offers premium features at a reasonable price. From welcome incentives to lounge access to insurance coverage to fuel surcharge waiver—each element is painstakingly created to meet cardholders’ financial and professional needs.

Besides, the application process is quick and simple, especially for confirmed ICSI members. There is a hassle-free documentation process and flexible eligibility criteria. This fits those looking for a credit card that not only offers financial freedom but also respects their professional identity.

What is the BOBCARD ICSI Diamond Credit Card?

The BOBCARD ICSI Diamond Credit Card is a special credit card designed for the Institute of Company Secretaries of India (ICSI). It comes from the Bank of Baroda subsidiary BOBCARD Limited. Through a cooperation between BOBCARD and ICSI, this card provides financial ease and particular benefits to corporate secretaries.

First of all, in addition to helping with daily expenses, this credit card offers a range of lifestyle, travel, and reward benefits. It is especially more enticing since it meets the needs both personally and professionally of ICSI members.

How is the design of the BOBCARD ICSI Diamond Credit Card?

The BOBCARD ICSI Diamond Credit Card has an elegant, professional design. The card first looks premium and classy because of its elegant black and silver color theme. Professionals who want a neat and modern look would find the straightforward but elegant layout fit.

Furthermore, clearly visible on the front side of the card is the ICSI logo, which boldly emphasizes the unique affiliation with the Institute of Company Secretaries of India. Apart from that, the BOBCARD branding is also well arranged, enhancing its strong identity.

What are the benefits of the BOBCARD ICSI Diamond Credit Card?

Let’s straightforwardly and understandably investigate these advantages:

1. Welcome advantages.

First of all, after their first purchase within 30 days of card issuance, cardholders are given 1,000 reward points. This makes your first purchase rather fulfilling.

2. Every purchase earns Reward Points

You also get five reward points for every ₹100 spent on utility bills, dining, and internet shopping. For other categories, you get two reward points every ₹100 spent. Later on, one can use these reward points for gifts or vouchers.

3. Waiver on Fuel Surcharge

One of the useful advantages is a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000. Every time you fill petrol, this can help you save money, up to ₹250 per statement cycle.

4. Lounge Availability

Besides, the card provides free access to domestic airport lounges at a few Indian airports. Professionals who travel regularly for business, especially find this helpful.

5. Coverage in Insurance

Additionally covered by cardholders are personal accident insurance, which offers financial stability should unanticipated events arise. This gives your family an additional degree of protection.

6. Flexible EMI facility

Large purchases can be easily EMIs, simplifying high-value transactions. This helps you cleverly budget your money, free from financial pressure.

7. Low Joining and Annual Fee

The card has a low joining and annual fee; most of the time, it is waived if your expenditure meets the requirements. For ICSI members, this makes it a reasonably priced solution.

What are the fees for the BOBCARD ICSI Diamond Credit Card?

Here is a simple breakdown of the  BOBCARD ICSI Diamond Credit Card fee.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.49% per month (41.88 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BOBCARD ICSI Diamond Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a BOBCARD ICSI Diamond Credit Card?

The documents that you will have to submit to get the BOBCARD ICSI Diamond Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BOBCARD ICSI Diamond Credit Card be used?

Here is the list of places where you can use it:

• With the BOBCARD ICSI Diamond Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  BOBCARD ICSI Diamond Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The BOBCARD ICSI Diamond Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BOBCARD ICSI Diamond Credit Card?

The credit amount you can spend is what you are provided with when you have a BOBCARD ICSI Diamond Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a BOBCARD ICSI Diamond Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Bank of Baroda; for instance, you can choose the BOBCARD ICSI Diamond Credit Card.

• Simply hover your cursor over the BOBCARD ICSI Diamond Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Bank of Baroda branch to apply for the BOBCARD ICSI Diamond Credit Card.

• Request the credit card application form for the  BOBCARD ICSI Diamond Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  BOBCARD ICSI Diamond Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the Bank of Baroda Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a BOBCARD ICSI Diamond Credit Card in 2025 be the right choice?

Obtaining the BOBCARD ICSI Diamond Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Bank of Baroda is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

In the end, the meticulously designed financial product called the BOBCARD ICSI Diamond Credit Card truly satisfies both personal and professional needs of ICSI members. Apart from offering a great spectrum of benefits, including welcome rewards, fuel surcharge exemptions, lounge access, insurance cover, and reward points on every purchase, it streamlines daily activities. These features make it much more than just a regular credit card.

Moreover, adding to the whole value of the card are its elegant design, safe transaction systems, and global acceptance. Simple EMI options an24/7×7 customer service enable consumers to effectively manage their money without any effort. Apart from spend-based waiver choices, the low joining and annual fees contribute to making it a reasonably priced solution.

The card also expresses thanks for the significant efforts made by ICSI professionals. Apart from making one feel proud and a sense of belonging, it offers daily benefits.

Frequently Asked Questions (FAQ’s)