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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.8% | 0.7% | 1.9% | 1.8% | 1.0% |
| Est. Monthly Reward (₹) | 35 | 70 | 385 | 895 | 1,035 |
| All-India Rewards Rank* | 49 | 81 | 14 | 30 | 112 |
| Within Bank Rank* | 7 | 8 | 3 | 2 | 4 |
| * 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 Bank of Baroda ICSI Diamond Credit Card is a lifetime free credit card, available only to the The Institute of Company Secretaries of India (ICSI) Members. It gives 1.25% effective rewards on grocery, dining, online shopping & utility bills and 0.25% on all other spending.
We estimate you can earn a net reward yield of 0.7-1.9% on all your spending with this card.
If you are not a member of the ICSI and need a card from Bank of Baroda, consider the Snapdeal BoB Credit Card which gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.
| Card | Bank of Baroda ICSI Diamond Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 5 Reward Points / ₹100 on: – Dining – Online – Utility Bills 1 Reward Points / ₹100 on all other spends |
| Milestone Rewards | – 999 Bonus Reward Points on 5 transactions worth ₹1000 or more each every month
– 3,999 reward points every quarter, on spending more than your card’s credit limit |
| Other Rewards | – 3 Complimentary Domestic Airport Lounge visits / Qtr.
– 6 months FitPass Pro membership worth ₹ 15,000 |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | 1,000 reward points p.m. on dining, online and utility bills |
| Preferred Redemption Method | Cashback against statement balance |
| Card | Bank of Baroda ICSI Diamond 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% | |
| Foreign Currency Markup | 2.00% | |
| Cash Advance Charge | 2.50% transaction amount minimum of ₹300 | |
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.
