Skip to content
COFFERCards. Points. Value.
BOBCARD CMA One credit card
BOBCARD

BOBCARD CMA One

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹1 to join.

Annual fee

₹0

ZERO Annual Fees

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 8 BOBCARD documents, last checked 18 Oct 2026.

Apply on BOBCARD

Our calculation

0.25% value back

Every ₹1,00,000 spent at this rate earns about 1,000 points, worth about ₹250 at the value BOB Financial (BOBCARD) states for a point.

BOB Financial (BOBCARD)'s rate: “1 Reward Point per ₹100 spent on all other categories” Proof
The bank’s words

“1 Reward Point per ₹100 spent on all other categories”

BOB Financial (BOBCARD)'s point value: “1 reward point = ₹0.25 when redeemed for cashback” Proof
The bank’s words

“All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25”

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

2% forex markup: of the 291 other open cards whose forex markup we have read, 45 state a lower one, 18 state the same and 228 state a higher one.

0.25% value back by our calculation: of the 49 other open cards we can work this out for, 5 return less, 10 return the same and 34 return more.

Fees

  • Joining fee

    ₹1 to join.

  • Annual fee

    ₹0ZERO Annual Fees

  • Add-on card fee

    Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Welcome offer

  • Welcome benefit

    500 reward points on spend of ₹5,000 and above within 60 days of card issuance

Rewards

  • Reward rate

    1 Reward Point per ₹100 · everyday spends1 Reward Point per ₹100 spent on all other categories.

  • Online earning

    5 Reward Points per ₹100 spent online.

  • Reward earning on dining spends

    5 Reward Points per ₹100 spent on dining.

  • Travel earning

    Flight Booking Via BOBCARD SmartDeal: 4 points for every ₹100 · Hotel Booking BOBCARD SmartDeal: 10 points for every ₹100.

  • Utilities earning

    5 Reward Points per ₹100 spent on utility bills.

  • Reward exclusions

    reward program is not applicable on select MCCs and Fuel

  • Reward caps

    5X Rewards are capped at 1000 Reward Points on the mentioned categories per statement cycle.

  • What one reward unit is worth

    1 reward point = ₹0.25 when redeemed for cashback.

  • Cashback redemption

    All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25.

  • Point expiry

    Reward Points are valid only for 2 years from the date of accumulation

Card benefits

  • Domestic lounge access

    12 complimentary access passes (3 per quarter) at partner domestic airport lounges, subject to minimum spends of ₹40,000 in the preceding calendar quarter

  • Milestone benefits

    Additional 4,000 reward points every quarter, on spending more than ₹1 Lac or your card's credit limit (whichever is higher)

Also included

  • Fuel surcharge waiver

    1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)

  • Surcharge on railway tickets

    1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)

  • Air accident cover

    Air accident death cover of ₹15 Lakhs and Non-air accident death cover of ₹5 Lakhs.

  • Lost card liability

    Zero Liability on lost card.

  • Add-on card eligibility

    Add-on cards for your spouse, parents, siblings or kids (above age 18)

  • Purchase to EMI conversion

    Purchases above ₹2,500 can be converted into Smart EMIs of 6 to 48 months.

Charges

  • Forex markup

    2% on foreign currency transactions.

  • Cash advance fee

    2.5% of the withdrawn amount or ₹500 whichever is higher.

  • Interest on unpaid balance

    3.75% per month i.e. 45% per annum.

  • Interest-free period

    20 to 50 days interest-free when you pay in full.

  • Late payment fee

    Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

  • Over-limit fee

    2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher.

  • Payment return or dishonour fee

    Cheque return charges: 2% of the payment amount, subject to min of ₹500

  • Statement or duplicate statement fee

    ₹25 per Bill

  • Card replacement fee

    Card replacement charges ₹100 per card.

  • Cash payment / cash deposit fee

    Processing fee ₹250 for every cash payment.

  • Cheque payment / dishonour fee

    ₹100 for every Cheque payment.

  • Education / school fee charge

    1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)

  • Reward redemption fee

    No Fee

  • Wallet load charge

    1% processing fees will be levied on Wallet loading Transactions.

  • What the card's fee or benefit year means

    Card Anniversary year is considered from the Card issuance date

  • Fuel transaction fee

    1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.

  • Rent transaction fee

    A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

  • Utility transaction fee

    1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

  • GST note

    18% (applicable on all fees, interest & other charges)

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

  • Minimum amount due

    MAD = 100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance); where the Total Amount Due (TAD) is ₹200 or less, the MAD will be equal to the TAD

Eligibility

  • Income requirement

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

  • Income, salaried

    Salaried: ₹3 lakhs net annual income or above.

  • Income, self-employed

    Self-employed: ₹3 lakhs annual ITR or above.

  • Minimum age

    For Salaried & Self employed: 21 to 75 years.

  • Residency

    Exclusive credit card designed for ICMAI professionals

In the terms, not the brochure (3)

  • Spend that unlocks lounge visits in the next period

    Complimentary lounge access is subject to minimum spends of ₹40,000 in the preceding calendar quarter, effective 1st Jan, 2025

  • What happens to unredeemed points if the card is closed

    Reward Points earned but not redeemed at the time of death of the card member or card closure (bank/customer initiated) shall be forfeited.

  • Whether carrying a balance ends the interest-free period

    If the cardholder opts for the revolving credit facility and pays less than the TAD, finance charges will apply to the entire outstanding amount (excluding charges); all new transactions also attract finance charges from the date of transaction until the previous outstanding balance is paid in full by the due date

How we know - 8 documents from BOBCARD, checked 18 Oct 2026

8 documents from BOBCARD, checked 18 Oct 2026.

  • Features and Rewards Important Terms Conditions29 Sep 2026Proof
  • Bobcard Mits17 Aug 2026Proof
  • MITCProof
  • Card pageProof
  • Key Fact StatementProof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Reward points termsProof

On these lists

Apply on BOBCARD

₹0 for life

Apply