{"id":85501,"date":"2026-03-06T17:19:36","date_gmt":"2026-03-06T11:49:36","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85501"},"modified":"2026-03-06T17:19:40","modified_gmt":"2026-03-06T11:49:40","slug":"bank-of-baroda-cma-one-credit-card-for-icmai-professionals","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bank-of-baroda-cma-one-credit-card-for-icmai-professionals\/","title":{"rendered":"Bank of Baroda CMA One Credit Card for ICMAI Professionals"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b91 joining fee and zero annual charges.<\/li>\n\n\n\n<li>Earn 5X rewards per \u20b9100 on select categories.<\/li>\n\n\n\n<li>12 domestic lounge visits are allowed every year.<\/li>\n\n\n\n<li>FITPASS membership is valid for 6 complimentary months.<\/li>\n\n\n\n<li>Reduced 2% forex markup saves international costs.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Bank of Baroda CMA One Credit Card is designed exclusively for members of the Institute of Cost Accountants of India (ICMAI). This rewards-focused card comes with a nominal joining fee of \u20b91 and no annual fee, making it easy to maintain.<\/p>\n\n\n\n<p>Cardholders earn 1 reward point on spending \u20b9100 on all categories and 5X reward points per \u20b9100 spent on dining, online purchases, and utility bill payments.&nbsp;<\/p>\n\n\n\n<p>Continue reading to learn more about the offerings of this credit card.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#bob-cma-one-credit-card-benefits\">Bank Of Baroda CMA One Credit Card Benefits<\/a><\/li><li><a href=\"#general-features-of-bobcard-cma-one\">General Features of Bank of Baroda CMA One Credit Card<\/a><\/li><li><a href=\"#bank-of-baroda-cma-one-credit-card-charges\">Bank of Baroda CMA One Credit Card Charges<\/a><\/li><li><a href=\"#bank-of-baroda-cma-one-credit-card-eligibility\">Bank of Baroda CMA One Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-cma-one-credit-card-benefits\"><strong>Bank Of Baroda CMA One Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-CMA-One-Benefits-1024x683.png\" alt=\"Bank Of Baroda CMA One Credit Card Benefits\" class=\"wp-image-85503\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-CMA-One-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-CMA-One-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-CMA-One-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-CMA-One-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-CMA-One-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Save more on overseas purchases with a reduced forex markup of 2%, which helps lower international transaction costs. The card suits professionals who want consistent rewards with specialised benefits.<\/p>\n\n\n\n<p>Along with global savings, the card offers the following professional and lifestyle benefits:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Travel Privileges<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Enjoy Bank of Baroda CMA One Credit Card lounge access with 12 complimentary domestic airport lounge visits each year, limited to 3 visits per quarter.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Fitness Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Receive a complimentary 6-month FITPASS Pro membership worth \u20b915,000. This benefit provides access to multiple fitness centres and wellness facilities across different cities.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Milestone Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 500 reward points after spending \u20b95,000 within the first 60 days of card issuance. You can also earn 4,000 additional reward points each quarter after spending \u20b91 lakh or reaching the approved credit limit.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Insurance Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get professional indemnity insurance cover of up to \u20b95 lakh. The card also includes accidental death insurance cover of \u20b915 lakh for air incidents and \u20b95 lakh for non-air incidents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"general-features-of-bobcard-cma-one\"><strong>General Features of Bank of Baroda CMA One<\/strong> Credit Card<\/h2>\n\n\n\n<p>Convert purchases above \u20b92,500 into smart EMI plans with flexible repayment tenures between 6 and 48 months.<\/p>\n\n\n\n<p>Along with <a href=\"https:\/\/www.bobcard.co.in\/credit-card-easy-emi-payment-options\" target=\"_blank\" rel=\"noopener\">EMI flexibility<\/a>, the card includes other practical features:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Receive up to 3 lifetime free add-on cards for eligible family members above 18 years of age.<\/li>\n\n\n\n<li>Report loss of the card immediately to receive zero liability protection against unauthorised transactions on your account.<\/li>\n\n\n\n<li>Get a 1% fuel surcharge waiver on transactions within the eligible fuel purchase range across India.<\/li>\n<\/ol>\n\n\n\n<p>Fuel savings help reduce routine expenses, but managing credit card bill payments is equally important. <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">The Pice app<\/a> lets you receive alerts, track payment status, and pay credit card bills smoothly without missing important due dates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-cma-one-credit-card-charges\"><strong>Bank of Baroda CMA One Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>Even though the card offers strong value, exceeding the approved credit limit attracts a charge of 2.5% of the excess amount or \u20b9600, whichever is higher.<\/p>\n\n\n\n<p>Certain <a href=\"https:\/\/online.bobcard.co.in\/assets\/BOBCARD_MITS.pdf\" target=\"_blank\" rel=\"noopener\">other service fees and applicable charges<\/a> still apply during usage, which are in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly or 45% annually<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than \u20b9100: NIL\u20b9100 &#8211; \u20b9500: \u20b9100\u20b9501 &#8211; \u20b91000: \u20b9400\u20b91001- \u20b910,000: \u20b9750\u20b910,001 &#8211; \u20b925,000: \u20b9950\u20b925,001 &#8211; \u20b950,000: \u20b91100More than \u20b950,000: \u20b91300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-cma-one-credit-card-eligibility\"><strong>Bank of Baroda CMA One Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Here are the eligibility criteria to apply for the BOB CMA One Credit Card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicants need to be Indian residents and active members of ICMAI.<\/li>\n\n\n\n<li>Both salaried and self-employed professionals aged between 21 and 75 years can apply.&nbsp;<\/li>\n\n\n\n<li>Minimum annual income requirements start from \u20b93.6 lakh for salaried Bank of Baroda customers and \u20b93 lakh for self-employed customers.<\/li>\n\n\n\n<li>Applicants must submit standard KYC documents along with a PAN card and ICMAI membership proof.<\/li>\n<\/ul>\n\n\n\n<p>Additional documents include recent salary slips or ITR copies, valid address proof, and one passport-size photograph. Existing credit card statements may also support the application.<\/p>\n\n\n\n<p>\ud83d\udca1Once you receive your credit card, organised payment tracking becomes essential. The <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> helps you manage credit card bill payment efficiently with reminders, payment tracking, and a clear overview of dues from a single secure dashboard.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward points earned on eligible transactions can be redeemed as cashback at a value of \u20b90.25 per point.<\/li>\n\n\n\n<li>Fuel surcharge waiver applies on transactions between \u20b9400 and \u20b95,000, with savings capped at \u20b9250 per statement cycle.<\/li>\n\n\n\n<li>FITPASS Pro membership remains valid for 60 days from card issuance and applies only to the primary cardholder.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772796154723\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is lounge access subject to spending conditions?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>From 1 January 2025, complimentary lounge access requires spending at least \u20b940,000 in the previous calendar quarter.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772796169959\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the validity of reward points?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Reward points remain valid for 2 years from the date of earning. Any unused points automatically expire after the validity period and cannot be restored later.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772796188500\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can you activate a FITPASS Pro membership?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Visit the FITPASS activation page or download the FITPASS mobile app to begin registration. Enter your details, verify your mobile number through OTP, and authenticate your BoB credit card to activate membership.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Bank of Baroda CMA One Credit Card is designed exclusively for members of the Institute of Cost Accountants of India (ICMAI). This rewards-focused card comes with a nominal joining fee of \u20b91 and no annual fee, making it easy to maintain. Cardholders earn 1 reward point on spending \u20b9100 on all categories [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85502,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85501"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85501\/revisions"}],"predecessor-version":[{"id":85504,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85501\/revisions\/85504"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85502"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}