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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.5% | 0.5% | 0.6% | 1.2% | 0.8% |
| Est. Monthly Reward (₹) | 25 | 50 | 110 | 595 | 805 |
| All-India Rewards Rank* | 75 | 127 | 176 | 98 | 168 |
| Within Bank Rank* | 9 | 11 | 12 | 7 | 7 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Bank of Baroda ICAI Exclusive Credit Card is reserved for ICAI members. It gives 1.25% effective reward on dining, online spends and utility bill payments and 0.25% on all other spending.
Overall, including milestone rewards, we estimate you can earn a net reward yield of 0.5-1.2% on all spending with this card in a month.
If you are not a member of the ICAI and need a card from Bank of Baroda, consider the Snapdeal BoB Credit Card. We think it is the best card for most Bank of Baroda customers.
It gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.
We estimate this card gives a net reward yield of 1.2% on all your spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Bank of Baroda ICAI Exclusive Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 5 Reward Points / ₹100 on: – Dining – Utility Bill Payments – Online Spends 1 Reward Points / ₹100 on all other spends |
| Milestone Rewards | 4,000 points p.m. on spending more than credit limit |
| Other Rewards | 3 Complimentary Domestic Airport Lounge Visits / Qtr. |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | 1,000 Reward Points p.m. on Dining, Online & Utility Bill Payments |
| Preferred Redemption Method | Reward Points can be redeemed as cashback @ ₹0.25 / reward point |
| Card | Bank of Baroda ICAI Exclusive Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | Nil | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 41.88% p.a. | |
| Foreign Currency Markup | 2.00% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
