Credit Cards/Bank of Baroda/BOB CMA One RUPAY Credit Card

BOB CMA One RUPAY Credit Card

BOB CMA One RUPAY Credit Card

Bank of Baroda

Last updated: Feb 03, 2026

fuel grocery restaurants e-commerce utility payments
Annual Fee

₹0

Joining Fee

₹1

Forex Fee

Free

Lounge Access

No lounge access

BOB CMA One is a lifetime-free RuPay co-branded card built for ICMAI (CMA) members. It focuses on rewards for dining, utilities and online spends while offering practical lifestyle benefits such as Fitpass membership and milestone privileges. The card is designed to give high value on everyday spends with zero annual fee.

Features of BOB CMA One RUPAY Credit Card which makes it unique

Fitpass Welcome

Complimentary Fitpass Pro membership for six months

Access to fitness and wellness services

High value welcome compared to similar lifetime-free cards

CMA-Focused Privileges

Tailored perks for ICMAI members

Exclusive member benefits

Co-branded offering for professional body members


Rewards Structure of BOB CMA One RUPAY Credit Card

Dining

accelerated

Restaurants and dining transactions

Reward Rate:5 points/₹100

Utility and online spends

accelerated

Utility bill payments and online spends

Reward Rate:5 points/₹100

Base

base

All other retail spends

Reward Rate:1 points/₹100

Milestones of BOB CMA One RUPAY Credit Card

Monthly Milestone

Varies : Milestone-based offers and lounge privileges on achievement

Fees & Charges of BOB CMA One RUPAY Credit Card

Fee & AmountFee Value
Joining Fee
1%
Annual Fee
0
Forex Markup Fee
0
Cash Advance Fee
2.5%
Late Payment Fee
₹750
Over Limit Fee
₹500
Returned Payment Fee
₹350
Cash Withdrawal Fee
2%

Renewal Conditions:Lifetime free (no annual fee).


Fee Explanation Standard bank rates and charges apply as per BOBCARD T&Cs.

Detailed Explanation of BOB CMA One RUPAY Credit Card Fees

Joining Fee: ₹1 (one-time)

Applicable at issuance for eligible CMA members

Annual Fee: ₹0 (yearly)

No annual fee (lifetime-free card)

Cash Advance Fee: 2.5% (transaction)

Minimum ₹300

Lounge Access Benefits with BOB CMA One RUPAY Credit Card

domestic Lounges

silver

Visits per year: 0

Guest access: No

Lounge access may be offered as milestone benefit

Insurance Coverage with BOB CMA One RUPAY Credit Card

Lifestyle benefits

Subject to BOBCARD T&Cs

Refer to policy documents for coverage limits

Additional Features of BOB CMA One RUPAY Credit Card

UPI on RuPay

Card can be linked and used via UPI (RuPay on UPI where supported)

Follow issuer and NPCI steps to link card to UPI

Contactless Payments

Tap and pay enabled (where supported)

Welcome Bonus with BOB CMA One RUPAY Credit Card

Welcome Bonus: 6-month Fitpass Pro membership
Bonus Conditions: Exclusive for ICMAI (CMA) members; Re. 1 joining fee; new customers only.

Application Process for BOB CMA One RUPAY Credit Card

Processing Time

3-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

1

Apply online via BOBCARD application form for CMA One

2

Upload KYC and CMA membership proof

3

Issuer verification and authentication

4

Card dispatched per issuer timelines

Required Documents for BOB CMA One RUPAY Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Membership Proof

all

Accepted documents:

ICMAI membership ID

Address Proof

all

Accepted documents:

Passport Utility Bill

BOB CMA One RUPAY Credit Card Merchant Acceptance Network

Domestic Acceptance

Wide acceptance on RuPay network across India

International Acceptance

Acceptance depends on RuPay acceptance abroad

Online Acceptance

Yes (where RuPay is accepted)

Payment Technologies

Contactless PaymentsSupported

Mobile Wallet Support:

apple paygoogle paysamsung payphone paypaytmamezon pay

Excluded Merchants

crypto exchangesgambling

Eligibility Criteria for BOB CMA One RUPAY Credit Card

Quick Eligibility Check

Minimum Age

18+

Credit Score

0+

Citizenship

Indian resident

Income Requirements

Salaried Applicants

₹0

Minimum annual income

Self-Employed Applicants

₹0

Minimum annual income

Who Can Apply

Important Conditions

  1. Applicant must be a member of ICMAI (CMA) to be eligible.

How Approval Is Decided

  • Must be ICMAI (CMA) member
  • Valid KYC documents
  • Issuer discretion on approval

Pros of BOB CMA One RUPAY Credit Card

  • Lifetime-free — minimal cost
  • Strong accelerated rewards on dining and utilities
  • Attractive welcome Fitpass benefit

Cons of BOB CMA One RUPAY Credit Card

  • Eligibility restricted to ICMAI (CMA) members
  • Some accelerated earn caps may apply (check T&Cs)

Frequently Asked Questions about BOB CMA One RUPAY Credit Card


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BOB CMA One RUPAY Credit Card - Eligibility, Fees, Rewards, Benefits, and Application