What is the CMA One BOBCARD Credit Card?

The CMA One BOBCARD Credit Card is an exclusive, lifetime-free credit card designed for ICMAI professionals. It comes with 5X rewards on dining, utility & online spends, airport lounge access on milestone spends achievement, insurance cover, and more – all with ₹1 joining and zero annual fees.

How can I apply for the CMA One BOBCARD Credit Card?

You can apply online here in just 3 simple steps: 1. Fill out the application form. 2. Complete e-signing with your Aadhaar. 3. Verify your identity through Video KYC. Alternatively, you can reach out to customer support or visit any Bank of Baroda branch to initiate the application process. Once approved, your card will be delivered to your registered address.

What is the minimum salary required to get CMA One BOBCARD Credit Card?

Salaried Customers: ₹3 lakhs net annual income or above. Self-employed Customers: ₹3 lakhs annual ITR or above

Can I apply for CMA One BOBCARD Credit Card if I am self-employed?

Yes. Self-employed ICMAI members are eligible as long as their latest ITR reflects an income of ₹3 lakhs or more per year.

Is there any joining fee for the CMA One BOBCARD Credit Card?

No. The CMA One BOBCARD Credit Card comes with just ₹1 joining fee and ZERO annual fee, making it a lifetime-free card for members after 1st year.

Can I use the CMA One BOBCARD internationally?

Yes. The card is valid worldwide. You also enjoy a reduced forex markup of just 2% on international transactions, making it more cost-effective for global usage.

How long does it take to receive my CMA One BOBCARD Credit Card after applying?

Once your application details are submitted, e-sign, Video KYC & verification are completed successfully, the approval is quick. The physical card is usually delivered within 7–10 working days to your registered address.

Does the CMA One BOBCARD Credit Card offer travel benefits?

Yes. As an ICMAI Exclusive member, you get: 12 airport lounge accesses per year (3 per quarter) on achieving quarterly milestone spends. Reduced forex markup of 2% on international transactions.

What is the minimum credit score required for an CMA One BOBCARD Credit Card?

A good credit history is required. Typically, a CIBIL score of 700+ improves the chances of approval, though final approval depends on income eligibility and BOBCARD's credit policy.

What insurance covers are included with the CMA One BOBCARD Credit Card?

Professional Indemnity Insurance up to ₹5 lakhs. Air accident death cover of ₹15 lakhs. Non-air accident death cover of ₹5 lakhs.

Credit Cards

Co-BrandedPremiumVisa✦ ICMAI

CMA One BOBCARD

Fitness meets premium banking, zero annual cost

Annual fee₹0

Rewards1.00%1 Reward Point per ₹100

Forex markup2%2% Reduced Forex mark-up

Apply Now Check Eligibility →

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Welcome benefits

worth ₹48,000

12-months FITPASS PRP Membership

Type: Fitness Membership
Trigger: Card Issuance
Partner: FITPASS
Validity: 60 days

Rewards

Base earn rate

1 Reward Point per ₹100 spent on all other categories

Excludes: Fuel, Select Mccs

Category	Rate	Cap
Dining	—	—
Online	—	—
Utility Bills	—	—

Milestone benefits

Earn 500 reward points on spend of ₹5,000 and above within 60 days of card issuance & an additional 4,000 reward points every quarter, on spending more than ₹1Lac or your card's credit limit.(whichever is higher). Milestone Rewards: 500 bonus points on spends above ₹5000 within first 60 days | 4000 bonus points every quarter on quarterly spends above ₹1 Lac or more than your card's credit limit (whichever is higher)

Lounge access

Domestic

12visits / year

Max 3 per quarter
Requires ₹40,000 prior spend

BOBCARD Airport Lounge Access Program lounge programme →

International

Not included

Fees & charges

Joining fee: ₹1
Annual / renewal fee: ₹0
Add-on card fee: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 2% Reduced Forex mark-up
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹15L

Air accident death cover of ₹15 Lakhs

Lost card liability

₹0

Credit liability

₹5L

Eligibility

Income (salaried): For Salaried BoB Customers Minimum Net Annual Income is ₹3.6 Lakh. For Self-employed BoB Customers Minimum Net Annual Income is ₹3 Lakh. Salaried Customers: ₹3 lakhs net annual income or above. Self-employed Customers: ₹3 lakhs annual ITR or above
Income (self-employed): ₹3L/year
Age: 21–75 years

Employment types

SalariedSelf-Employed

Required documents

KYC Documents
PAN card photocopy
Photocopy of ICMAI Membership Card
Latest Salary Slip/ Latest ITR OR (in case you have any other credit card, a copy of the same along with latest bill statement)
Current Residence Proof
1 Recent Passport-size Photograph

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

FITPASS PRP Membership
Professional Indemnity Insurance

No rewards on

Fuel · Select Mccs

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Dining — 1.25% back

0% of spend100% of spend

Online spends — 1.25% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.25% base rate.

Rewards / year

₹3,600

≈ 0.60% effective

Annual fee

₹0

no published waiver

Net steady-state return

+₹3,600/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹3,600 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹1

One-time welcome benefit: ~₹125 — 500 reward points on spend of ₹5,000 and above within 60 days of card issuance (valued at 500 × ₹0.25 = ₹125). Note: card also gives an additional 4,000 reward points every quarter on spending more than ₹1 Lac or the card's credit limit (whichever is higher) — a recurring milestone, not a one-time welcome, so excluded from welcome value.

Based on published rates as of 2026-08-07; assumes 1 Reward Point = ₹0.25 redeemed as cashback (issuer's stated primary redemption path): "All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25". Rewards estimates, not guarantees.