Exclusive privileges for ICSI members with premium rewards and lifestyle benefits
Earn reward points on every transaction with flexible redemption options
Complimentary airport lounge access and travel insurance coverage
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| Benefit | Details |
|---|---|
| ICSI Member Exclusive | Specially designed credit card available only to members of the Institute of Company Secretaries of India, recognising their professional standing. |
| Reward Points | Earn reward points on retail purchases, dining, and online transactions with flexible redemption through the BOB Rewards catalogue. |
| Airport Lounge Access | Complimentary domestic airport lounge access for primary cardholders at select airports across India. |
| Welcome Benefits | Receive welcome vouchers upon card activation and first transaction, providing immediate value. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel transactions at authorised petrol pumps across India. |
| Insurance Coverage | Complimentary personal accident insurance cover and lost card liability protection for enhanced security. |
| Dining Privileges | Access to dining offers and discounts at partner restaurants through BOB's merchant network. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda |
| Bank / Non-bank | Public Sector Bank |
| Category | Professional / Mid-Premium |
| Type of Card | Co-branded Professional Credit Card (Visa/Mastercard variant) |
| Free or Paid | ₹500 + GST Annually (Waiver on annual spends) |
The Bank of Baroda ICSI DIAMOND Credit Card is specifically designed for members of the Institute of Company Secretaries of India, offering recognition of their professional status with tailored benefits. This card provides a balanced combination of rewards, travel privileges, and lifestyle benefits at an accessible annual fee. It's ideal for ICSI members who want a professional-grade credit card that acknowledges their credentials while delivering practical everyday benefits including lounge access, fuel waivers, and reward points on regular spending. The card serves as both a professional identity marker and a functional financial tool for Company Secretaries across India.
Professional Exclusivity: The ICSI DIAMOND Credit Card is available exclusively to members of the Institute of Company Secretaries of India, providing recognition of their professional qualification and standing in the corporate world.
Balanced Rewards Structure: The card offers reward points on most retail transactions, allowing cardholders to accumulate points on daily spending. Points can be redeemed through the BOB Rewards catalogue for merchandise, vouchers, and other lifestyle products.
Airport Lounge Access: Primary cardholders enjoy complimentary access to domestic airport lounges at select airports across India, enhancing the travel experience for business and leisure trips.
Competitive Annual Fee: With an annual fee of just ₹500 + GST, the card is positioned as an affordable premium option. The fee can be waived based on annual spending thresholds, making it cost-effective for active users.
Fuel Benefits: The card provides a 1% fuel surcharge waiver at authorised petrol pumps nationwide, helping reduce the cost of regular fuel purchases within specified transaction limits.
Welcome Vouchers: New cardholders receive welcome vouchers upon activation and first transaction, providing immediate tangible value from card ownership.
Comprehensive Insurance: The card includes complimentary personal accident insurance coverage and lost card liability protection, ensuring financial security for cardholders.
Dining and Lifestyle Offers: Access exclusive dining discounts and lifestyle offers through Bank of Baroda's merchant partner network, providing savings at restaurants, retail outlets, and entertainment venues.
EMI Conversion: Flexibility to convert high-value purchases into easy monthly installments, helping manage cash flow for larger expenses.
Add-on Cards: Ability to issue add-on cards for family members at nominal or no additional cost, extending the card's benefits to immediate family.
Retail Purchases: Earn reward points on retail spending at physical and online stores (specific earn rate per ₹100 spent as per BOB policy).
Dining & Entertainment: Accumulate points on transactions at restaurants, hotels, and entertainment venues.
Online Transactions: Earn points on e-commerce and online bill payments (subject to category eligibility).
Minimum Redemption: Minimum threshold of reward points required to begin redemption (as per bank's redemption policy).
Points Validity: Reward points typically valid for 2-3 years from the date of earning, allowing time for accumulation.
BOB Rewards Catalogue: Redeem points for products, electronics, lifestyle items, and vouchers through the Bank of Baroda Rewards portal.
Gift Vouchers: Convert points to gift vouchers from popular brands including retail, dining, and e-commerce partners.
Merchandise: Exchange points for consumer electronics, home appliances, and lifestyle products at competitive redemption rates.
Statement Credit: Option to convert reward points to statement credits against outstanding balances (subject to availability).
Welcome Vouchers: Receive welcome vouchers or gift cards upon card activation and completion of first transaction within specified timeframe.
Joining Benefits: Initial reward points bonus credited to account upon meeting first transaction criteria.
Domestic Lounge Access: Complimentary access to domestic airport lounges at select airports across India for primary cardholders.
Quarterly Limits: Typically 2-4 complimentary visits per quarter (exact number as per current card terms).
Access Process: Present credit card and boarding pass at participating lounge to gain entry.
Waiver Details: 1% fuel surcharge waived on fuel transactions at authorised petrol pumps across India.
Transaction Limits: Waiver applicable on transactions between ₹400 and ₹4,000 per transaction.
Monthly Cap: Waiver subject to monthly maximum limit as per bank policy.
Personal Accident Cover: Complimentary accidental death insurance coverage for cardholders (coverage amount as per policy terms).
Lost Card Liability: Protection against fraudulent transactions following card loss or theft, subject to timely reporting.
Purchase Protection: Coverage for eligible purchases made using the card against theft or damage (if applicable as per variant).
Restaurant Discounts: Access to dining offers and discounts at partner restaurants through BOB's merchant network.
Special Promotions: Periodic dining promotions and cashback offers at select restaurant chains.
Purchase EMI: Convert purchases above ₹2,500 into easy monthly installments with nominal processing fees.
Tenure Options: Flexible EMI tenures ranging from 3 to 24 months depending on transaction amount.
Pre-approved EMI: Option to convert eligible transactions to EMI post-purchase through customer service or online banking.
Reward points are not earned on the following transaction categories:
Cash withdrawals and cash advances
Fuel purchases (as per standard exclusions)
EMI conversions and processing fees
Card fees and charges
Reversals and refunds
Unauthorised or fraudulent transactions
Note: Specific exclusions may vary based on Bank of Baroda's current rewards program terms and conditions.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST (~₹590) | One-time charge when the card is issued. |
| Annual Fee | ₹500 + GST (~₹590) | Charged every year; may be waived on achieving annual spending targets. |
| Add-on Card Fee | Complimentary or nominal fee | Fee for additional cardholders on the account (as per bank policy). |
| Interest Rate (APR) | 2.95% to 3.50% per month (35.4% to 42% annually) | Applicable on outstanding balances after the due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Standard markup on international transactions. |
| Cash Withdrawal Fee | 2.5% of cash amount (Minimum ₹300) | Applicable on cash withdrawals from ATMs or banks. |
| Late Payment Fee | Up to ₹1,000 based on outstanding amount | Charged when minimum payment is not made by due date. |
| Over-limit Penalty | 2.5% of over-limit amount | Charged when spending exceeds sanctioned credit limit. |
| Cheque Return Fee | ₹500 per instance | Charged when payment cheque bounces or auto-debit fails. |
| Reward Redemption Fee | As per redemption type | May apply for certain redemption channels (typically waived). |
| Duplicate Statement Fee | ₹100 per statement | Charged for requesting physical duplicate statements. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
ICSI Membership | Must be a member of the Institute of Company Secretaries of India with valid membership credentials |
Existing Customer | Available to both existing Bank of Baroda customers and new applicants |
Citizenship | Must be a Resident of India |
Credit Score | Good to excellent CIBIL score (ideally 700-900) for approval |
Income | Minimum annual income as per bank norms (typically ₹3-5 lakhs for salaried) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of: Aadhaar Card, Passport, Driving Licence, Utility Bill (within 3 months), Rent Agreement |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / IT returns (last 2 years) |
| PAN Card | Mandatory for credit card issuance |
| ICSI Membership Proof | Valid ICSI membership certificate or membership ID card |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, ICSI Membership Certificate, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Bank of Baroda ICSI DIAMOND Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Activate Upon Receipt | Activate your card immediately upon receipt through SMS, customer care, or online banking to access all benefits. |
Complete First Transaction | Make your first transaction within the specified timeframe to unlock welcome benefits and vouchers. |
Maximise Reward Categories | Focus spending on categories that earn maximum reward points such as retail, dining, and online shopping. |
Use Lounge Access | Carry your card and boarding pass to access domestic airport lounges during travels. |
Fuel Transactions | Use the card for fuel purchases between ₹400-₹4,000 per transaction to benefit from surcharge waiver. |
Track Reward Points | Regularly monitor your reward points balance through online banking or mobile app to plan redemptions. |
Set Payment Reminders | Configure payment reminders or auto-debit to avoid late payment fees and interest charges. |
Utilise EMI Facility | Convert high-value purchases into EMIs to manage cash flow while maintaining credit limit availability. |
Monitor Spending | Keep track of spending to meet annual fee waiver thresholds if applicable. |
Claim Insurance Benefits | Familiarise yourself with insurance coverage terms and claim procedures for emergencies. |
Use for Online Transactions | Leverage the card for online shopping and bill payments to accumulate reward points. |
Pay in Full Monthly | Always clear the entire statement balance by due date to avoid interest charges of up to 42% annually. |
Leverage Merchant Offers | Check BOB's merchant partner offers regularly for dining and lifestyle discounts. |
Safeguard Card Details | Never share card number, CVV, OTP, or PIN with anyone to prevent fraud. |
Report Issues Promptly | Immediately report lost/stolen cards or unauthorised transactions to Bank of Baroda customer care. |
The Bank of Baroda ICSI DIAMOND Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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