Bank of Baroda

Bank of Baroda CMA One Credit Card

Airport Lounge Access

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹1* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹1* + Tax

Renewal Fee: ₹0* + Tax

Airport Lounge Access

Enjoy 3 complimentary domestic lounge accesses each quarter.

Fuel

1% fuel surcharge waived on fuel spends from ₹400 to ₹5,000.

Reward Points

Earn 1 RP per ₹100 spent and 5x RPs on utilities, dining, and online shopping.

Welcome benefits:- Free 6 months FitPass Pro membership worth Rs.15,000 as welcome gift.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Bank of Baroda CMA One Credit Card

The Bank of Baroda CMA One Credit Card is designed exclusively for ICMAI members. It is a reward-focused credit card with zero annual fee, helping members earn points on everyday spending. The card also comes with special privileges and benefits tailored to meet the needs of cost management professionals.

Bank of Baroda CMA One Credit Card Rewards Program

Rewards Program

5 reward points on every Rs. 100 spent on dining, online purchases, and utility bill payments
1 reward point per Rs. 100 spent on all other categories
1,000 bonus points on completing 5 transactions of Rs. 1,000 or more each month
Redemption: All reward points can be redeemed for cashback at 1 reward point = Rs. 0.25

Milestone Rewards

1,000 reward points on transacting within 30 days of card issuance
4,000 reward points every quarter on spending above your card’s credit limit

Other Features and Benefits

Welcome Benefit

Free 6-month FitPass Pro membership worth Rs. 15,000

Travel Benefits

12 complimentary domestic lounge visits per year (3 per quarter) on spending Rs. 40,000 in the previous quarter
2% reduced forex mark-up on international spends

Complimentary Insurance

Professional Indemnity Insurance: Rs. 5 lakh
Air accidental death cover: Rs. 15 lakh
Non-air accidental death cover: Rs. 5 lakh

Free Add-On Cards

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

Easy EMI Option

Convert purchases of Rs. 2,500 or more into 6 or 12-month easy EMIs

Zero Liability on Lost Card

Report card loss immediately to ensure zero liability on fraudulent transactions

Fees and Charges

Fees / Charges	Amount
Joining Fee	Re.1
Annual Fee	Nil
Cash Withdrawal Charges	2.5% of the withdrawn amount or Rs. 500, whichever is higher
Finance Charges	3.49% per month i.e. 41.88% per annum
Cheque Return Charges	2% of the cheque amount or Rs. 450, whichever is higher
Foreign Currency Transaction Fee	2% of the transaction amount
Unblocking Charge	Rs.300
Late Payment Charges	For Statement Balance: Less than Rs.100- Nil Rs.100 to Rs.500- Rs.100 Rs.501 to Rs.1,000- Rs.400 Rs.1,001 to Rs.10,000- Rs.600 Rs.10,001 to Rs.25,000- Rs.800 More than Rs.25,000- Rs.950

Things to Know Before you apply

Get this card if:

You are an ICMAI member looking for a rewards-focused credit card
You want to earn reward points on dining, online purchases, and utility payments
You want complimentary lounge access and reduced forex fees for travel

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Bank of Baroda CMA One Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Bank of Baroda CMA One Credit Card Hilights

What do we like about this card?

Joining Fee: Re. 1 | Annual Fee: Nil
Rewards: 5 points per Rs. 100 on dining, online, and utility bill payments
Bonus Rewards: 1,000 points on 5 transactions of Rs. 1,000 or more per month
Lounge Access: 12 free domestic airport lounges per year (spend Rs. 40,000 in the previous quarter)
Forex Benefit: Low mark-up fee of 2% on international spends
Welcome Benefit: Free 6-month FitPass Pro membership worth Rs. 15,000
Add-On Cards: Up to 3 lifetime free add-on cards

Pros

5 reward points per Rs. 100 on dining, online spends, and utility payments
Bonus 1,000 points on 5 transactions of Rs. 1,000 or more every month
Complimentary 6-month FitPass Pro membership
12 lounge visits per year and 2% reduced forex mark-up
Complimentary insurance cover and up to 3 free add-on cards
Easy EMI option for purchases above Rs. 2,500
Zero liability on lost card

Cons

Reward points on other categories are limited to 1 point per Rs. 100
Lounge access requires minimum quarterly spend of Rs. 40,000
Bonus and milestone points have conditions and limits

Bank of Baroda Credit Card Contact Details

Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number

Frequently Asked Questions

Everything you need to know about this credit card

The card is designed exclusively for ICMAI members.

Cardholders get 1,000 reward points on completing 5 transactions of Rs. 1,000 or more each within the first month.

5 points per Rs. 100 on dining, online purchases, and utility bills
1 point per Rs. 100 on all other categories
Bonus points on milestone transactions

Yes, 12 domestic lounge visits per year (3 per quarter) on spending Rs. 40,000 in the previous quarter.

Yes, the card offers Professional Indemnity Insurance (Rs. 5 lakh), air accidental death cover (Rs. 15 lakh), and non-air accidental death cover (Rs. 5 lakh).