Bank of Baroda Exclusive Credit Card for ICAI Members

Welcome Gift – Benefits include:

• FitPass Pro Membership worth Rs. 15,000
• 1,000 reward points on transacting your card within the first 30 days of card issuance

Lifetime Free – No Annual or Joining Fee is charged.

Rewards Program – Highlights of the program include:

• 5 Reward Points per Rs. 100 spent on dining, online spends, and utility bill payments
• 1 reward points per Rs. 100 spent
• 1 Reward Point = Re. 0.25
• 1,000 Reward Points on making 5 transactions worth Rs. 1,000 or more per month

Lounge Access – 12 free domestic airport lounge visits at select lounges. Lounge access is restricted to 3 visits per calendar quarter and subject to spending min. Rs. 40,000 during the previous quarter.

Low Foreign Exchange Mark-up Rate – Foreign transactions incur a fee of only 2%.

Spend Milestone Benefit – 4,000 reward points every quarter upon spending more than the credit limit in that quarter.

Fuel Surcharge Waiver – Fuel Surcharge is waived off on fuel transactions that are between Rs. 400 and Rs. 5,000. Maximum waiver offered is Rs. 250 per statement cycle.

Insurance Coverage – Get the following coverage:

Category	Amount
Professional Indemnity Insurance Cover	Rs. 5 lakh
Non-air accident death cover	Rs. 5 lakh
Air accident death cover	Rs. 15 lakh

Note: W.e.f. Jan 2025, a 1% processing fee is going to be applicable on wallet loading transactions, utility transactions above Rs. 50,000, and fuel transactions above Rs. 10,000.

Type of Fees or Charge	Amount
Joining Fee	Nil
Annual Fee	Nil
Cash Withdrawal Charges	2.5% / Min. Rs. 500
Finance Charge	3.49% p.m. | 41.88% p.a.
Cheque Return Charges	Min. Rs. 300 | 2% of the amount
Foreign Currency Transaction Fee	2% of the transaction amount
Unblocking Charge	Rs. 300
Late Payment Charges	Amount less than Rs. 100 – Nil Amount between Rs. 100 and Rs. 500 – Rs. 100 Amount between Rs. 501 and Rs. 1,000 – Rs. 400 Amount between Rs. 1001 and Rs. 10,000 – Rs. 600 Amount between Rs. 10,001 and Rs. 25,000 – Rs. 800 Amount Greater than Rs. 25,000 – Rs. 950
Cheque Return Charges	2% of the cheque amount or Min. Rs. 450

Suggested Read: Common fees & Charges you should know about

Bank of Baroda Exclusive Credit Card is only for ICAI Members. Thus applicants must establish their membership to Institute of Chartered Accountants of India. This can be done by submitting Photocopy of ICAI Membership Card.

Documents Required for Bank of Baroda Exclusive Credit Card for ICAI Members

Besides establishing membership, applicants must also furnish documents to establish identity, income and address. Note all applicants must submit their PAN Cards as well.

Identity Proof	Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc.
Residence Proof	Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc.
Income Proof	Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc.

You may apply for Bank of Baroda Exclusive Credit Card for ICAI Members through Bank of Baroda’s website or branch visit.

Credit Card	Annual Fee	Comparative Feature
HDFC Moneyback Credit Card	Rs. 500	2 Reward Points per Rs. 150
American Express Membership Rewards Credit Card	Nil	Membership Reward Point for every Rs. 50 spent
HSBC SmartValue Credit Card	Rs.499	Earn up to 3 Reward Points for every Rs. 100 spent
ICICI Amazon Pay	Nil	Up to 5% cashback
ICICI Instant Platinum Credit Card	Nil	Earn up to 2 PAYBACK Points for every Rs. 100 spent

Is Bank of Baroda Exclusive Credit Card for ICAI Members given to ICAI members only?
Yes, as the name suggests the Bank of Baroda Exclusive Credit Card for ICAI Members is given solely to ICAI members only. Applicants will have to submit a Photocopy of their ICAI Membership Card.

Can I get free add-on card against Bank of Baroda Exclusive Credit Card for ICAI Members?
Yes, you can get up to 3-lifetime free add-on credit card. The cards can be availed by primary credit cardholder for his/her immediate family members.

Can I use the reward points to pay off my credit card bills?
Yes, your reward points can be redeemed for cashback. You will get Re. 1 per 4 reward points.

How old the applicants for add-on cards should be?
The applicants for add-on credit cards must be over 18 years of age. They must also be directly related to the primary cardholder.

What is the customer care number for Bank of Baroda Credit Cards?
If you have any queries or require support you may contact Bank of Baroda Credit Card customer care centre by calling on the exclusive phone number 1800 22 5100.