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COFFERCards. Points. Value.
BOBCARD ICSI Diamond credit card
BOBCARD

BOBCARD ICSI Diamond

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹0

ZERO

Annual fee

₹0

ZERO

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 9 BOBCARD documents, last checked 18 Oct 2026.

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Our calculation

0.25% value back

Every ₹1,00,000 spent at this rate earns about 1,000 points, worth about ₹250 at the value BOB Financial (BOBCARD) states for a point.

BOB Financial (BOBCARD)'s rate: “1 Reward Point per ₹100 spent on all other categories” Proof
The bank’s words

“1 Reward Point per ₹100 spent on all other categories”

BOB Financial (BOBCARD)'s point value: “Reward points can be redeemed as cashback at ₹0.25 per reward point” Proof
The bank’s words

“Reward points can be redeemed as cashback @₹0.25 per reward point.”

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

2% forex markup: of the 291 other open cards whose forex markup we have read, 45 state a lower one, 18 state the same and 228 state a higher one.

0.25% value back by our calculation: of the 49 other open cards we can work this out for, 5 return less, 10 return the same and 34 return more.

Fees

  • Joining fee

    ₹0ZERO

  • Annual fee

    ₹0ZERO

  • Add-on card fee

    Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Welcome offer

  • Welcome benefit

    500 reward points on spend of ₹5,000 and above within 60 days of card issuance

Rewards

  • Reward rate

    1 Reward Point per ₹100 · everyday spends1 Reward Point per ₹100 spent on all other categories.

  • Fuel earning

    No Reward Points are earned on fuel transactions.

  • Groceries earning

    Supermarket and convenience store: Cardholder will not earn any Reward points.

  • Online earningUtilities earning

    5 Reward Points per ₹100 spent on dining, online & utility bills.

  • Reward earning on dining spends

    5 Reward Points per ₹100 spent on dining.

  • Travel earning

    Flight Booking Via BOBCARD SmartDeal: 4 points for every ₹100 · Hotel Booking BOBCARD SmartDeal: 10 points for every ₹100.

  • Reward exclusions

    Reward program is not applicable on select MCCs and Fuel

  • Reward caps

    5X Rewards are capped at 1000 Reward Points on the mentioned categories per statement cycle.

  • What one reward unit is worth

    Reward points can be redeemed as cashback at ₹0.25 per reward point.

  • Cashback redemption

    Reward points can be redeemed as cashback @₹0.25 per reward point.

  • Point expiry

    Reward Points are valid only for 2 years from the date of accumulation

Card benefits

  • Domestic lounge access

    12 complimentary access passes (3 per quarter) at partner domestic airport lounges, subject to minimum spends of ₹40,000 in the preceding calendar quarter

  • Milestone benefits

    3999 Reward Points every Calendar Quarter on spends greater than the assigned credit limit or ₹1 Lakh (whichever is higher)

Also included

  • Fuel surcharge waiver

    1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).

  • Surcharge on railway tickets

    1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)

  • Air accident cover

    Air accident death cover of ₹15 Lakhs.

  • Insurance benefit

    Free Professional Indemnity Insurance Cover of up to ₹5 Lakhs, Air accident death cover of ₹15 Lakhs and Non-air accident death cover of ₹5 Lakhs

  • Lost card liability

    Zero Liability on lost card.

  • Add-on card eligibility

    Add-on cards for your spouse, parents, siblings or kids (above age 18)

  • Purchase to EMI conversion

    Convert purchase of > ₹2,500 into Smart EMIs of 6 to 48 months.

Charges

  • Forex markup

    2% on foreign currency transactions.

  • Cash advance fee

    2.5% of the withdrawn amount or ₹500 whichever is higher.

  • Interest on unpaid balance

    3.75% per month i.e. 45% per annum.

  • Interest-free period

    20 to 50 days interest-free when you pay in full.

  • Late payment fee

    Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

  • Over-limit fee

    2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher. Overlimit upto 5% of credit limit

  • Payment return or dishonour fee

    Cheque return charges 2% of the payment amount, subject to min of ₹500

  • Statement or duplicate statement fee

    ₹25 per Bill

  • Card replacement fee

    All other credit cards: ₹100 per card.

  • Cash payment / cash deposit fee

    Processing fee ₹250 for every cash payment.

  • Cheque payment / dishonour fee

    Process fee ₹100 for every cheque payment.

  • Education / school fee charge

    1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)

  • Reward redemption fee

    No Fee

  • Wallet load charge

    1% processing fees will be levied on Wallet loading Transactions.

  • What the card's fee or benefit year means

    Card Anniversary year is considered from the Card issuance date

  • Fuel transaction fee

    1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.

  • Rent transaction fee

    A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

  • Utility transaction fee

    1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

  • GST note

    The GST component is not reversed

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

  • Minimum amount due

    100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Eligibility

  • Eligibility

    All eligible & active members of ICSI.

  • Income requirement

    Salaried BoB Customers: ₹3 lakhs net annual income or above.

  • Income, self-employed

    Self-employed BoB Customers: ₹3 lakhs annual ITR or above.

  • Minimum age

    21 to 75 years

  • Documents required

    KYC Documents, PAN card photocopy, photocopy of ICSI Membership Card, latest salary slip / latest ITR.

  • Residency

    Resident of India

In the terms, not the brochure

  • Spend that unlocks lounge visits in the next period

    Minimum spends of ₹40,000 in the preceding calendar quarter for complimentary lounge access

  • What happens to unredeemed points if the card is closed

    Reward Points earned but not redeemed at the time of death of the card member or card closure (bank/customer initiated) shall be forfeited.

  • Whether carrying a balance ends the interest-free period

    Interest-free credit period is suspended if any balance of the previous month’s bill is outstanding, i.e.

How we know

9 documents from BOBCARD, checked 18 Oct 2026.

  • Bobcard Generic MITC 23 July Orginal5 Oct 2026Proof
  • Bobcard KFS 4x8 17jul20265 Oct 2026Proof
  • Fees and charges pageProof
  • Card pageProof
  • MITC and Key Fact StatementProof
  • Features and Rewards Important Terms Conditions, 1 Oct 2025Proof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Reward points termsProof

On these lists

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