Bank of Baroda Credit Card for CA: Should You Get This Card?

If you are a Chartered Accountant, you already know how complex and time-consuming money management can be. You juggle between vendor payments, utility bills, and fuel transactions from the audit. Basically, the list never ends.

You have to juggle between personal and professional payments. And sometimes, you need a system to organize the chaos. A credit card made exclusively for your needs can save you a lot of hassle (and earn you some great perks on the side).

I talked with a few CAs and bank professionals last month and found that Bank of Baroda now has an exclusive offering for ICAI members. So, thought why not share that with you.

Overall Best Card for CAs: ICAI Exclusive Credit Card by BOBCARD

• Issued by: Bank of Baroda
• Annual / Joining Fee: ₹0 (Lifetime free card for ICAI members)
• Card Network: Visa
• Category: Rewards and Utilities
• Income Eligibility: Based on the latest salary or income proof
• Eligibility criteria: Applicant must be an ICAI member, meet the minimum age requirement, and provide valid income proof.

This exclusive credit card is made for Chartered Accountants in India and is offered only to the members of The Institute of Chartered Accountants of India. You get reward points on utility bills, fuel, and online spends, as well as a fuel surcharge waiver at select fuel stations.

Also, you can access up to 12 complimentary domestic airport lounge visits per year (3 per quarter), after meeting the spend criteria of ₹40k in the previous calendar quarter. Check the lounge list here.

Here are some rewards and benefits for this exclusive credit card for Chartered Accountants by BOB:

• Welcome benefit: Earn 500 reward points when you spend ₹5,000 within 60 days of card issuance.
• Earn 5 reward points for every ₹100 spent on utility bills, online purchases and dining.
• Earn 4,000 reward points every quarter upon reaching specific spending milestones.
• Earn 1 reward point per ₹100 spent on all other categoriesyo.

Why pick this ICAI Exclusive Credit Card as a CA?

• Helps track expenses per calendar quarter, which supports easy audits and tax filing.
• Professional indemnity insurance cover and useful travel benefits.
• Zero liability on unauthorized transactions if reported promptly, providing extra security.

Remember, this is an exclusive card and not all credit cards are made ONLY for ICAI members. Many other cards by Bank of Baroda still work great for CAs because they offer rewards and other benefits.

Here are a few regular Bank of Baroda credit cards for Chartered Accountants:

BOBCARD Prime Credit Card

• Issued by: Bank of Baroda
• Annual / Joining Fee: ₹0 (It is a lifetime free card)
• Card Network: Visa
• Category: Everyday rewards

This card is a secured credit card with zero annual or joining fee. It helps fresh Chartered Accountants build a credit score from scratch. An excellent choice for CAs who want to avoid annual fees while still getting good benefits. 

Here are some benefits of this credit card:

• Fuel purchases between ₹400–₹5,000 get a 1% fuel surcharge waiver, capped at ₹250 per statement cycle.
• Earn 2 reward points per ₹100 spent in most categories.  
• Free personal accidental death cover of ₹15 lakh (Air) and ₹5 lakh (Non-Air) included for cardholders.

BOBCARD Eterna Credit Card

• Issued by: Bank of Baroda
• Annual / Joining Fee: ₹2,499 (Joining fee is waived off on spending ₹25k in first 60 days and Annual fee is waived off on yearly spend of ₹2,50,000 respectively)
• Cheque return charges: Calculated as a percentage of the cheque amount or a fixed fee, whichever is higher.
• Card Network: Visa
• Category: Premium lifestyle and travel benefits
• Income Eligibility: Salaried/Self-employed with Net Annual Income > ₹12 Lakh, Age: For Salaried : 21 to 60 years, For Self employed : 24 to 65 years

This card offers some nice perks for CA fraternity members who primarily spend via credit cards and travel an alot. You get complimentary lounge access, travel benefits, and insurance coverage.

You can earn 3 reward points per ₹100 spent in other eligible categories, 5x rewards, i.e, 15 reward points per ₹100 spent on travel and international spends, and fuel surcharge waiver of 1% on fuel spends of ₹400–₹5,000, capped at ₹250 per statement cycle.

• Welcome benefit: Fitpass Pro membership worth ₹15,000 is provided as a welcome gift to new cardholders.
• Milestone rewards: 10,000 bonus points on ₹50,000 spends in first 60 days and 20,000 bonus points on ₹5 lakh annual spends.
• Airport lounge access: Unlimited domestic lounge visits for primary and add-on users with ₹40,000 spend in the previous calendar quarter.

Also Read:

• BOB Eterna Lifetime Free Offer [November 2025]
• What The Community Thinks about the BOB Eterna Credit Card?

Add-On Cards for CAs on these credit cards: What are the rules?

For the ICAI Exclusive Credit Card, the add-on credit cards are free for up to 3 family members (spouse, parents, siblings).

With Bank of Baroda Prime Lifetime Free Card, you can also get free add on card for family and track spends across add on cardholder accounts easily. On the Bank of Baroda Eterna Credit Card, you can issue up to 3 add-on cards with the same high-reward profile as the primary.

Points earned on all the add-on cards are added to accumulated reward points of the primary cardholder, so you benefit from their use.

Is having an exclusive credit card for CAs worth It?

Yes, it is a good choice for Chartered Accountants who want easy rewards on daily spending. The ICAI exclusive credit card is excellent for ICAI members who need a lifetime free option with insurance and travel perks.

BOBCARD Prime suits new professionals who want a simple card without fees for credit building. BOBCARD Eterna is better for high spenders who want lounge access and faster reward points.

Frequently Asked Questions

1. How do I earn reward points on this credit card?

You earn reward points for every ₹100 spent on your credit card.

2. Do these exclusive credit cards for CAs support fuel transactions?

Yes, you can use them for fuel transactions and get a fuel surcharge waiver of up to 1% wherever eligible.

3. Do offers depend on when I spend?

The bank may run periodic promotions but your rewards may depend on the merchant category code. You can check MCC codes here and verify the reward benefits in the key fact statement.

4. Can I redeem points any time?

Yes, points can be redeemed once accumulated reward points reach the set limit.

5. Do these cards support international spends?

Yes, selected cards offer rewards on international spends and other category expenses too. Please check the card MITC for more information.