Bank of Baroda
An 18% APR, far below the usual 45%, for micro enterprises registered on JanSamarth. ₹500 a year, waived above ₹50,000, and applied for on the government portal.
Reward points
BOBCARD states two different redemption values for the same point depending on channel: ₹0.25 for cashback, ₹0.15 for the 'Pay with Rewards' checkout option — both are BOBCARD's own wording, not reconciled here.
Taken from Bank of Baroda's own published terms. Last verified 4 September 2026
ICICI Bank
5% back on Amazon for Prime members and 3% without, paid into your Amazon Pay balance. Lifetime-free, but offered only to selected ICICI customers.
ICICI Bank
One lounge visit a quarter and 2 points per ₹100 on retail, at ₹500 a year waived above ₹1.5 lakh. Points buy catalogue goods, not statement credit.
ICICI Bank
A no-fee starter card earning 2 points per ₹100 on retail — the same catalogue points as Coral, without the lounge, cinema or milestone benefits.
