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Bank of Baroda ICAI Exclusive Credit Card

by Kshitiz V Sharma on

The Bottom Line

Bank of Baroda ICAI Exclusive Credit Card
Exclusively Reserved for ICAI Members

5 reward points / ₹100 on dining, online spends and utility bill payments with a cap of 1,000 points p.m. and 1 point on all other spends.

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.

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.


The Rewards

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


Fees & Charges

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

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