Bank of Baroda (BOB) CMA One Credit Card

The ICMAI-exclusive Bank of Baroda CMA One Credit Card, issued by BoB Financial, demands just a Re. 1 joining fee, exempting cardholders from any annual membership charges. Despite its lifetime free status, the CMA One Card delivers diverse privileges—welcoming perks like FitPass Pro membership and bonus Reward Points, complimentary domestic lounge access, reduced forex markup fee, and free insurance coverage. Noteworthy is the opportunity to earn 1,000 monthly bonus rewards and up to 16,000 bonus Reward Points annually upon reaching spend milestones. Elevate your benefits with this tailored card.

Key Highlights of Bank of Baroda (BOB) CMA One Credit Card

Unlock unparalleled benefits with the Bank of Baroda (BOB) CMA One Credit Card.

  1. Earn 5 reward points for every Rs.100 spent on dining, online, and utility bills.
  2. Get 1,000 bonus reward points on 5 transactions of Rs.1,000 or more each monthly.
  3. Enjoy 12 complimentary domestic airport lounge accesses.
  4. Benefit from a low mark-up fee of 2% on international transactions.
  5. Receive a free 6-month FitPass Pro membership valued at Rs.15,000.
  6. Avail up to 3 lifetime free add-on credit cards for family members.

Features and Benefits of Bank of Baroda (BOB) CMA One Credit Card

The Bank of Baroda (BOB) CMA One Credit Card offers several features and benefits:

1. Accelerated Rewards for Smart Spending:

  • Earn 5 reward points for every ₹100 spent on dining, online, and utility bills.

2. Travel Benefits with CMA One:

  • Enjoy 12 complimentary domestic airport lounge accesses quarterly.
  • Avail a 2% reduction in Forex mark-up for international spends.

3. Fitness & Frolic Lifestyle:

  • Welcome Gift: Receive a 6-month Fitpass Pro Membership worth ₹15,000.
  • Milestone Rewards: Earn 1,000 points within 30 days and 4,000 points quarterly on spending over ₹1 lakh.

4. Fuel Surcharge Waiver:

  • Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.

5. Extra Rewards and Easy EMI:

  • Get 1 reward point for every ₹100 spent in any category.
  • Redeem accumulated points for cashback at ₹0.25 per point.
  • Convert ₹2,500 purchases into easy EMIs of 6/36 months.

6. Additional Privileges:

  • Receive up to 3 lifetime free add-on cards.
  • Benefit from complimentary insurance coverage.
  • Report lost cards immediately for zero liability on fraudulent transactions.

Bank of Baroda (BOB) CMA One Credit Card Fees and Charges

Explore the fee structure for the Bank of Baroda (BOB) CMA One Credit Card and discover the financial advantages that come with it.

  1. No spend-based waiver available
  2. Rewards redemption fee is not applicable
  3. Foreign currency markup is 2% of the total transaction amount
  4. Interest rates are set at 3.49% per month
  5. Enjoy a 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000
  6. Cash advance charges: 2.5% of the withdrawn amount or a minimum of Rs. 300 (3% at international ATMs)
  7. No fee for add-on cards

Eligibility Criteria for Bank of Baroda (BOB) CMA One Credit Card

Here are essential criteria for applying for an Bank of Baroda (BOB) CMA One Credit Card:

  1. ICMAI members eligible, subject to credit policy.
  2. Add-on cardholder must be 18+.
  3. Residency in India required for eligibility.

Documents Required for Bank of Baroda (BOB) CMA One Credit Card

To apply for the Bank of Baroda (BOB) CMA One Credit Card, you will typically need to provide the following documents:

  1. PAN card photocopy
  2. Copy of ICMAI Membership Card
  3. Latest Salary Slip or Latest ITR
  4. Copy of any existing credit card with the latest bill statement
  5. Current Residence Proof
  6. 1 Recent Passport-size Photograph

How to apply for Bank of Baroda (BOB) CMA One Credit Card

Follow these steps to apply for the Bank of Baroda (BOB) CMA One Credit Card online or offline:

1. Online Application:

  • Visit https://www.bobfinancial.com/cma-one.jsp.
  • Click ‘Apply Now.’
  • Fill the displayed form accurately.
  • Submit the form and upload necessary documents.
  • Upon verification, your CMA One Credit Card application will be approved.

2. Offline Application:

  • Visit the nearest Bank of Baroda branch.
  • Provide necessary documents; bank representative will assist.

3. Contact Information:

Frequently Asked Questions (FAQs)

1. What is the Bank of Baroda CMA One Credit Card?
The BOB CMA One Credit Card is a co-branded credit card offered by Bank of Baroda in collaboration with Central Manufacturing Technology Institute (CMTI). It is designed to provide exclusive benefits to CMTI members.

2. Who is eligible to apply for the BOB CMA One Credit Card?
The credit card is exclusively available for members of Central Manufacturing Technology Institute (CMTI). Eligibility criteria may include being a member in good standing with CMTI.

3. What are the key features of the BOB CMA One Credit Card?
The card comes with features such as reward points on every transaction, special discounts on partner merchants, access to airport lounges, and other privileges tailored for CMTI members.

4. How can I apply for the BOB CMA One Credit Card?
To apply for the BOB CMA One Credit Card, eligible CMTI members can visit the Bank of Baroda website or a nearby branch. The application process typically involves submitting necessary documents and meeting the specified eligibility criteria.

5. What documents are required for the credit card application?
Typically, you would need to provide KYC documents, proof of income, and CMTI membership details. The exact document requirements may vary, and it is advisable to check with the bank for the most up-to-date information.

6. How does the reward points system work on the BOB CMA One Credit Card?
Cardholders earn reward points for every eligible transaction made using the credit card. These points can be redeemed for various rewards such as merchandise, vouchers, or even as a statement credit.

7. Can I link my BOB CMA One Credit Card to mobile banking?
Yes, Bank of Baroda offers mobile banking services, and you can link your BOB CMA One Credit Card to access features like viewing statements, making payments, and managing your card on-the-go.

8. What security features are in place for the BOB CMA One Credit Card?
The credit card comes with security features like PIN protection, transaction alerts, and the option to set spending limits. In case of loss or theft, cardholders are advised to report it immediately to the bank for necessary action.

9. Are there any annual fees associated with the BOB CMA One Credit Card?
Details about annual fees, joining fees, and other charges are usually provided in the credit card terms and conditions. It is recommended to review these terms or contact the bank for the latest fee structure.

10. How can I contact customer support for the BOB CMA One Credit Card?
Bank of Baroda provides customer support through various channels, including phone, email, and in-person at branches. Contact details are typically available on the bank’s official website and on the credit card documents.