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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaCMA One BOBCARD
Bank of Baroda

CMA One BOBCARD

Reward Points Platinum
4.5/5.0CardwiseHQ Review
1st Year Fee: ₹1
Primary Reward
5 Reward Points per ₹100 spent on dining, online & utility bills
1st Year Fee
₹1
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Experience unmatched benefits designed and tailored exclusively for ICMAI members.

Fees & Charges

CMA One BOBCARD · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 1
Annual / Renewal Fee₹ 0
Foreign Transaction Fee2% of transaction amount

Rewards & Cashback

CMA One BOBCARD · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5 Reward Points per ₹100 spent on dining, online & utility bills
Secondary Reward Rate1 Reward Point per ₹100 spent on all other categories
Max Cashback / Rewards (Monthly)1000 Reward Points on 5X categories per statement cycle
Welcome / Joining Bonus500 reward points on spend of ₹5,000+ within 60 days & 12-months FITPASS PRP Membership
Milestone Benefits4,000 reward points every quarter on ₹1 Lakh spend or credit limit, and lounge access on quarterly spend
Reward ExclusionsFuel transactions, select MCCs

Features & Benefits

CMA One BOBCARD · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details12 complimentary domestic access passes (3 per quarter). From Jan 1, 2025, subject to ₹40,000 spend in preceding quarter.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on ₹400 - ₹5,000 transactions (Max. ₹250 per statement cycle).
Insurance Coverage₹5 Lakhs Professional Indemnity, ₹15 Lakhs Air accident, and ₹5 Lakhs Non-air accident death cover.
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

CMA One BOBCARD · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 3,00,000
Minimum Age21
Maximum Age75
Card VariantPlatinum
Best ForICMAI Professionals, Online Spends, Utility Bill Payments, Travel, Insurance

Pros & Cons

Advantages
  • ₹1 Joining Fees and ZERO Annual Fees
  • 5X Rewards on dining, online & utility bills
  • 12 complimentary domestic airport lounge accesses annually
  • 2% Reduced Forex mark-up
  • Complimentary 12-months FITPASS PRP Membership worth ₹48,000
  • Comprehensive insurance cover including Professional Indemnity and accident covers
Disadvantages
  • 5X Rewards are capped at 1000 Reward Points per statement cycle
  • Lounge access subject to minimum spends from January 2025
  • Reward points are not earned on fuel transactions

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: ICMAI Professionals, Online Spends, Utility Bill Payments, Travel, Insurance

CMA One BOBCARD by Bank of Baroda is rated 4.5/5 by our editorial team. Experience unmatched benefits designed and tailored exclusively for ICMAI members..

About CMA One BOBCARD

The CMA One BOBCARD is an exclusive credit card specifically crafted for ICMAI professionals. It distinguishes itself with exceptionally low fees, featuring a mere ₹1 joining fee and zero annual fees, making it an attractive option for its target audience. The card delivers accelerated rewards, allowing cardholders to earn 5X reward points on dining, online, and utility bill payments, capped at 1000 points per statement cycle. Beyond rewards, it offers significant lifestyle and travel benefits, including 12 complimentary domestic airport lounge access passes annually (3 per quarter, subject to a minimum spend criteria from 2025) and a competitive 2% reduced foreign transaction mark-up. Cardholders also receive a valuable welcome gift of a 12-month FITPASS PRP Membership and robust insurance coverage, encompassing Professional Indemnity, Air accident, and Non-air accident death covers.

Quick Facts

Joining Fee₹1
Card VariantPlatinum
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes
Min Income₹3,00,000