Bank of Baroda
CMA One BOBCARD Credit Card
Data last verified: 11 October 2026
- Joining fee₹1 + GST
- Annual feeFree
- Reward rate0.25% base, up to 1.25% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1 + GST
- Annual feeFree
- Forex markup2%
- Interest (APR)3.75% a month, 45% a year
01CMA One BOBCARD Credit Card Rewards and Benefits
02CMA One BOBCARD Credit Card Annual Fee and Charges
- Joining fee
- ₹1 + GST
- Annual fee
- Free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹1,212 a year₹101
- In your pocket each year₹1,212
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 1.25% back, up to ₹250 a month
- Dining: 1.25% back, up to ₹250 a month
- Anyone who wants no annual fee, ever
- Flyers: 12 airport lounge visits a year
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- most of your spending is groceries, fuel, rent or insurance: those earn nothing on this card
- you rarely spend on online shopping, dining or utility bills: the 1.25% rate applies only there, everything else earns 0.25%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How CMA One BOBCARD Credit Card earns Rewards
0.25% base, up to 1.25% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.25% | No cap | The card's normal rate |
| Online shopping | 1.25% | ₹250, shared with other bonus rates | All merchants in the categoryTerms: 5 points per ₹100 (~1.25%) on online spends, under a 1,000-point/statement cap SHARED with dining and utilities; past it, spends drop to 1 point per ₹100. UPI spends earn core points only |
| Dining and food delivery | 1.25% | ₹250, shared with other bonus rates | All merchants in the categoryTerms: 5 points per ₹100 (~1.25%) on dining, under a 1,000-point/statement cap SHARED with online and utilities; past it, spends drop to 1 point per ₹100. Fast-food outlets (MCC 5814) earn nothing |
| Groceries | Earns nothing | - | earns nothing on this card |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1.25% | ₹250, shared with other bonus rates | All merchants in the categoryTerms: 5 points per ₹100 (~1.25%) on utility bills, under a 1,000-point/statement cap SHARED with dining and online; past it, spends drop to 1 point per ₹100. Utility spends of ₹50,000+ attract a 1% fee |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 (~0.25%) on other eligible spends; a long list of MCCs earns nothing
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05CMA One BOBCARD Credit Card Lounge Access and Travel
Domestic lounge access is 12 visits a year. Spend Rs 40,000 in the previous quarter for domestic lounge access. Spending abroad carries a 2% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations on transactions of ₹400 to ₹5,000 (max ₹250 per statement cycle). Fuel spends themselves earn no reward points
- Insurance cover: Free professional indemnity cover up to ₹5 lakh, air accident death cover of ₹15 lakh and non-air accident death cover of ₹5 lakh, contingent covers, not an annual cash benefit; withdrawable by BOBCARD without notice, and lapses if the card is unused for 90 days before death
- Airport lounge access: 12 complimentary domestic lounge visits a year (3 per quarter), unlocked only by ₹40,000 of spend in the preceding calendar quarter. No international lounge access
- Milestone bonuses: 4,000 bonus reward points each quarter you spend more than ₹1 lakh (or your credit limit, whichever is higher), up to 16,000 points (~₹4,000) a year at ₹1 lakh every quarter
06CMA One BOBCARD Credit Card Eligibility and Documents
- Age
- 21 to 75 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹25,000
Documents. ICMAI membership number and proof of active membership PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.25% per month (39% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | Lower / no fixed minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utility bills | Core reward points restored on utility bills |
| 1 Jan 2025 | Reduced: Domestic lounge access gated to ₹40,000 quarterly spendSource: Bank of Baroda | 12 visits a year (3 per quarter), unconditional | 12 visits a year (3 per quarter), only after ₹40,000 spend in the preceding calendar quarter |
| 1 Jan 2025 | Reduced: Processing fees introduced on wallet-load, high-value utility and fuel spendsSource: Bank of Baroda | No processing fee on wallet loads, utility or fuel spends | 1% on wallet loads; 1% (max ₹3,000) on utility spends ≥₹50,000; 1% on fuel spends ≥₹10,000 |
See this card's change history → · All card changes in July 2025 →
08Cards Similar to CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | CMA One BOBCARD Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | Free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.25% base, up to 1.25% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 12 visits a year | 2 visits a year | Not included |
| Forex markup | 2% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your CMA One BOBCARD Credit Card Bill
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Common Questions
What is the joining fee for the CMA One BOBCARD Credit Card?
The joining fee is ₹1 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the CMA One BOBCARD Credit Card?
The annual fee is Free.
Does the CMA One BOBCARD Credit Card give airport lounge access?
Yes. Domestic lounge access is 12 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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