BOBCARD CMA One
Completing BOBCARD’s institutional accounting suite, the CMA One card is dedicated to members of the Institute of Cost Accountants of India (ICMAI). Issued Lifetime Free, it pairs domestic airport lounge access with quarterly milestone bonuses up to 4,000 points and a reduced 2.00% forex markup.
Why We Recommend The BOBCARD CMA One
Completes BOBCARD’s institutional trifecta, offering high-grade benefits for ICMAI cost accounting professionals.
Cost Accountants desiring a zero-fee card for airport lounges and official travel.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD CMA One?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD CMA One
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD CMA One
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary visits per calendar year (max 1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD CMA One Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Quarterly milestone bonus rewards up to 4,000 points.
Subsidized 2% forex markup on international charges.
Complimentary domestic airport lounge visits across India.
Pros & Cons of the BOBCARD CMA One
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- 100% Lifetime Free without annual spending thresholds.
- Dedicated quarterly milestone bonuses for regular spenders.
- Reduced foreign exchange markup fee.
Things to Consider (Cons)
- Limited strictly to members of the Institute of Cost Accountants of India (ICMAI).
- No international lounge access.
- Points redemption processing fees apply on physical vouchers.
Who Can Apply for the BOBCARD CMA One?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD CMA One
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD CMA One?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.