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 12 domestic airport lounge visits per year with quarterly milestone bonuses of 4,000 points, a reduced 2.00% forex markup, and ₹5 Lakhs Professional Indemnity Insurance.
Why We Recommend The BOBCARD CMA One
Completes BOBCARD’s institutional trifecta, offering 12 domestic lounge visits and 4,000 quarterly bonus points for ICMAI professionals.
Cost Accountants desiring a zero-fee card for airport lounges, indemnity cover, 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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD CMA One
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD CMA One
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD CMA One
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
12 complimentary visits per calendar year (max 3 per quarter)
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD CMA One Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Quarterly milestone bonus of 4,000 reward points (worth ₹1,000) on ₹1 Lakh spend.
12 complimentary domestic airport lounge visits across India (3 per quarter).
Subsidized 2.00% forex markup and complimentary Professional Indemnity Insurance up to ₹5 Lakhs.
Honest Pros & Cons of the BOBCARD CMA One
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- 100% Lifetime Free without annual fee spending thresholds.
- 4,000 quarterly bonus points and 12 annual domestic lounge visits.
- Reduced 2.00% foreign exchange markup fee and 12-month FITPASS Pro membership.
Things to Consider (Cons)
- Limited strictly to members of the Institute of Cost Accountants of India (ICMAI).
- Requires ₹40,000 preceding-quarter spend for domestic lounge access.
- 5X accelerated points are capped at 1,000 RPs per statement cycle.
Who Can Apply for the BOBCARD CMA One?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
730+ Score Recommended
Applicants with a score above 730 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD CMA One
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD CMA One is Nil (Lifetime Free for ICMAI Members).
You can have this fee completely waived by meeting the annual spend milestone: Lifetime Free unconditionally for verified ICMAI members. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD CMA One features: 5X Reward Points (5 RPs per ₹100 = 1.25% return) on dining, online, and utility bills + 4,000 quarterly bonus RPs.
Base reward: 1 Reward Point per ₹100 on standard retail transactions (0.25% return).
Accelerated reward: 5 Reward Points per ₹100 on dining, utility payments, and online spends (capped at 1,000 RPs/statement cycle); milestone bonus of 4,000 RPs every quarter on spending ₹1,00,000 or credit limit (whichever is higher).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the BOBCARD CMA One?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.