One Card. Exclusive experiences.

Exclusively designed for ICMIA Members

  • Accelerated rewards
  • Complimentary insurance
  • Free add-on card
  • Benefits
  • Features
  • Eligibility Criteria
  • Documents Required
  • Annual Fees
  • Terms & Conditions

CMA One Credit Card : Benefits

  • Shopping delights

  • Best travel benefits

  • Welcome Gift

Shopping delights

  • *Earn 5 reward points on every Rs. 100 spent on dining, online & utility bills 1000 Bonus Reward Points on 5 transactions worth Rs. 1000 or more each every month
  • Best travel benefits

    • Enhance your airport experience with 12 complimentary access (3 per quarter) at partner domestic airport lounges. Click here to know more. Save on international spends with 2% reduced forex mark-up.
    • Welcome Gift

      • Free 6 months FitPass Pro membership worth Rs. 15,000. Click here
        to know more.

CMA One Credit Card : Features

Milestone Rewards

Earn Rs. 1,000 reward points on transacting your card within 30 days of issuance and Rs. 3,999 reward points every quarter, on spending more than your card's credit limit.

Fuel Surcharge Waiver**

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

Note -No Reward Points are earned on fuel transactions.

Extra Rewards

1 reward points for every Rs. 100 spent on any other category. All your accumulated reward points can be redeemed for cashback @ 1 reward point = Rs. 0.25.

Easy EMI option

Convert purchase of > Rs. 2,500/- on your card into easy EMIs of 6/12 months.

Free Add-on card

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

Complimentary Insurance

Professional Indemnity Insurance Cover of Rs. 5 lakhs*, Air accident death cover of Rs. 15 lakhs and non-air accident death cover of Rs. 5 lakhs.

Zero liability on lost card

Report loss of card immediately to ensure zero liability on any fraudulent transactions.

CMA One Credit Card : Eligibility Criteria

All eligible & active members of ICMAI, subject to credit policy.

Add-on cardholder should be over 18 years.

Resident of India

CMA One Credit Card : Documents Required

Discover exclusive benefits, offers & rewards by applying for your Bank of Baroda CMA One Credit Card Here

Submit the following with application form:

  • PAN card photocopy

  • Photocopy of ICMAI Membership Card

  • Latest salary slip/latest ITR OR in case you have any other credit card, a copy of the same along with latest bill statement )

  • Current residence proof

  • 1 recent passport-size photograph.

CMA One Credit Card : Annual Fees

Fees/Charges Primary Add-on
First year fee (levied in the first statement) Lifetime free NIL
Annual Fee (subsequent years) Lifetime free NIL

CMA One Credit Card : Terms & Conditions

Coming soon...

Frequently Asked Questions (FAQs)

  • What is a Credit Card?

    A credit card is a financial instrument supplied by banks with a pre-set credit limit for online and offline shopping. You may be eligible for a credit card based on your credit score, history, income, and other bank guidelines. Apply for a credit card at BOB Financial site. In other words, a credit card is your convenient, anytime money that you must repay only after 50 days because there is no interest until then.

  • How to Apply for a Credit Card?

    In 3 simple steps:

    1. Complete the e-application
    2. Aadhaar-based e-signature
    3. Confirm with video KYC

    You can also visit any of your nearest Bank of Baroda branches.

  • How to use a Credit card?

    Use your Bank of Baroda credit card for:

    • Retail purchases
    • Online shopping
    • Cash withdrawals at ATMs
    • Foreign Rs. 2500 (cross-border) transactions while travelling overseas by enabling it for contactless (Tap & Pay) transactions.

    Not only that, but you may convert purchases of more than Rs. 2500 on your card into cheap EMIs ranging from 6 to 36 months.

  • How to check Credit Card Eligibility?

    Visit our website at to check your eligibility and apply for your Bank of Baroda credit card.

  • What are the benefits of an Bank of Baroda Credit Card?
    • Exciting privileges across dining, travel, entertainment, and more
    • Rewards on spends
    • Welcome Perks
    • Complimentary Service

    In short, it doesn’t just give you instant credit; it enables you to step up to the dream life you’ve always wanted and delights by adding to your savings too!

  • What are the 4 types of credit cards?

    Credit Cards are broadly classified as follows -

    1. Retail/Consumer Credit Cards
    2. FD backed/Secured Credit Cards
    3. Co-branded Credit Cards
    4. Commercial Credit Cards

    For details on Bank of Baroda Credit Cards – visit BOB Financial site

  • How many credit cards can I have?

    Usually, banks offer 1 credit card to every customer, few banks also offer multiple credit cards to the same customer. For ex: Retail Card for personal use and Business or Corporate Credit Card for official expenses.

  • Can I pay a person with a credit card?

    Payments by credit cards are not permitted for P2P transactions. However, credit card loans are available. (Conditions apply)

  • Can I use my credit card for international transactions?

    Of course, yes. Please keep in mind that you must first enable your Bank of Baroda credit card for foreign transactions.

    1. Log in to the Bank of Baroda Credit Card customer online OR mobile app
    2. Navigate to ‘Go to Menu’
    3. Select the 'Card usage/management' option
    4. Activate your card for international use instantly by following the screen instructions.
  • Can I transfer money from credit card to bank account?

    No. Certain credit card transactions are not permitted, and one of them is the transfer of funds to a bank account.

  • What should you do in the case of theft or loss of your credit card?

    In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block your card using any of the options -

    1. SMS BLOCK XXXX to 9223172141 from your registered mobile number (XXXX is the last 4 digits of your card)

    2. Log in to the Bank of Baroda Credit Card customer portal or mobile app -> Go to Menu & Select the 'Card Block' option and immediately block your card following the screen instructions.

  • How much cash can I withdraw from credit card?

    Every card comes with a sub-limit for cash withdrawals, you can use your card up to that amount for cash withdrawal at the ATM using your credit card. You can confirm your cash limit by calling customer service number printed on your credit card.

  • When can I redeem my credit card reward points?

    Every card has a cash withdrawal sub-limit. You can use your credit card to withdraw cash from an ATM up to that amount. Call the customer support number on the back of your credit card to confirm your cash limit.

  • How do I increase my credit card limit?

    You can call the customer support number on your credit card to see if you are qualified for a higher limit or to learn how to request one.

  • How is my credit card limit decided?

    The bank determines the credit card limit based on one's income, existing debts, and performance on past repayments (if any).

Add this website to home screen

Are you Bank of Baroda Customer?

This is to inform you that by clicking on continue, you will be leaving our website and entering the website/Microsite operated by Insurance tie up partner. This link is provided on our Bank’s website for customer convenience and Bank of Baroda does not own or control of this website, and is not responsible for its contents. The Website/Microsite is fully owned & Maintained by Insurance tie up partner.

The use of any of the Insurance’s tie up partners website is subject to the terms of use and other terms and guidelines, if any, contained within tie up partners website.

Proceed to the website

Thank you for visiting

We use cookies (and similar tools) to enhance your experience on our website. To learn more on our cookie policy, Privacy Policy and Terms & Conditions please click here. By continuing to browse this website, you consent to our use of cookies and agree to the Privacy Policy and Terms & Conditions.