Dedicated Professional Credit Card Exclusively for Chartered Accountants
Chartered Accountants and ICAI certified finance leaders looking for zero annual fee professional exclusivity, domestic airport lounges, and retail rewards.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1 Reward Point on every spend of Rs. 100 and 5x Reward points on dining, utility bills, and online purchases.
On eligible spends1 Domestic visits/quarter · ₹40k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The ICAI Exclusive BOBCARD Credit Card is an institutional credit card developed specifically for the esteemed members of the Institute of Chartered Accountants of India (ICAI). Issued 100% Lifetime Free with zero joining and annual renewal overhead, it recognizes the financial stewardship of India's CA fraternity. Cardholders enjoy 1 complimentary domestic airport lounge visit per calendar quarter across major Indian airports, alongside 5X reward points on dining, utility bills, and travel bookings. It also provides a preferential foreign currency markup fee of 2.50% and comprehensive professional insurance protection. With standard 1% fuel surcharge waiver across India and digital card controls via the BOBCARD app, the ICAI Exclusive card is an optimal no-fee tool for finance practitioners.
1 Reward Point on every spend of Rs. 100 and 5x Reward points on dining, utility bills, and online purchases.
Complimentary Fit Pass Pro Membership for 12 Months and 500 Bonus Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel, Dining & Online Spends | 15 Reward Points per ₹100 spent on travel, dining, and online purchases (3.75% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 3 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel, Dining & Online Spends | ₹12,000 | 15 Reward Points per ₹100 spent on travel, dining, and online purchases (3.75% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 3 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Exclusively for practicing and non-practicing Chartered Accountants with valid ICAI membership credentials and Certificate of Practice (COP) or salary proof. • Joining & Annual Fee: ₹0 (Lifetime Free with no hidden maintenance fees or recurring charges). • Airport Lounge Privileges: 1 complimentary domestic airport lounge visit per calendar quarter across major Indian airports. • Rewards Acceleration: 5X reward points on dining, utility bills, and travel bookings; 1 reward point per ₹100 on other retail spends. • Forex Markup: Preferential foreign exchange markup fee of 2.50% + GST on overseas spending. • Insurance Coverage: Complimentary personal accidental insurance cover of up to ₹15 Lakhs for ICAI members. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per month).
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding ICAI Exclusive BOBCARD Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official BOBCARD portal with paperless verification.
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Best for: Chartered Accountants and ICAI certified finance leaders looking for zero annual fee metal exclusivity, unlimited airport lounges, and low forex fees.
Rewards: 2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge access: 1 Domestic visits/quarter + 4 International visits/year · ₹50k quarterly spend required (Domestic)
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Best for: High-income earners, corporate executives, and global travelers looking for comprehensive airport lounge and golf privileges without paying recurring annual credit card maintenance fees.
Rewards: 10X on dining, travel, international & spends > ₹20,000/month; 6X on online up to ₹20,000; 3X on offline
Lounge access: 3 Domestic visits/quarter + 4 International visits/year · ₹20k monthly spend required (Domestic), ₹20k monthly spend required (International)
Forex markup: 0% (Zero Forex)
Last verified 27 Oct 2026
