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Aditya Birla AU Bank Credit Cards VS CMA One BOBCARD Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

CMA One BOBCARD is exclusively for ICMAI (Cost & Management Accountant) members, charges a nominal ₹1 joining fee with no renewal fee, and earns 5 Reward Points per ₹100 on dining, online, and utility spends plus 12 lounge visits a year and professional indemnity cover. Aditya Birla AU Bank is open to the general public, also free, and earns up to 10X points on travel, dining, and utilities. If you're a practising cost accountant, CMA One's near-zero cost and richer lounge/insurance benefits make it the easy pick; otherwise Aditya Birla AU Bank is the accessible alternative.

Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee₹900 + GST
Joining Fee₹1 + GST
Renewal Fee₹900 + GST
Renewal FeeFree (1st year)
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Spend Based Waiver
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (Flex, Biz) of the transaction amount.
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Welcome BonusComplimentary 6-month FitPass Pro membership & 500 bonus RPs on ₹5k spend in 60 days.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Rewards Rate1 RP per ₹100 on retail; 5x RP on dining, utility, online (capped at 1,000 RP/cycle).
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
Domestic Lounge Access12 complimentary visits/year (3/quarter); subject to ₹40k spend in preceding quarter from Jan 2025.
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
International Lounge Access
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Travel Benefits12 complimentary domestic lounge access annually; 2% reduced forex markup on international spends.
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Movie Benefits
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Dining BenefitsEarn 5x Reward Points on dining spends, capped at 1,000 RP per statement cycle.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.
Fuel Surcharge Waiver1% waiver on fuel spends (₹400-₹5,000), capped at ₹250 per statement cycle.

Security & Other

Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Insurance Benefits₹15L air accident, ₹5L non-air accident death cover, ₹5L Professional Indemnity Insurance.
Cash Advance Charges2.5% of the cash advance amount.
Cash Advance Charges2.5% or min ₹300 (domestic); 3% or min ₹300 (international).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Aditya Birla AU Bank Credit Cards

CMA One BOBCARD Credit Card

Who is it for?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

Who is it for?

The CMA One BOBCARD Credit Card, with a one-time fee of only Re. 1, is essentially a lifetime free credit card designed exclusively for ICMAI members. It offers a comprehensive suite of privileges, including a reasonable reward rate, travel benefits like domestic lounge access and low forex markup, and valuable milestone rewards. Considering its affordability, the card provides significant value, making it an excellent choice for eligible ICMAI members seeking a feature-rich credit card without high annual fees.

Pros

Key benefits and features.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

Pros

Key benefits and features.

Effectively a lifetime free card with a minimal one-time joining fee of just ₹1.

Enjoy a valuable complimentary 6-month FitPass Pro membership as a welcome benefit.

Benefit from 12 complimentary domestic airport lounge access visits every year.

Save on international transactions with a competitive and reduced 2% forex markup fee.

Comprehensive insurance coverage including air accident and professional indemnity.

Cons

Key drawbacks and limitations.

The multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

Cons

Key drawbacks and limitations.

Card is exclusively available for active ICMAI members, limiting broader access.

Accelerated 5x rewards on key categories are capped at 1,000 RPs per statement cycle.

Domestic lounge access will require a minimum spend of ₹40,000 per quarter from Jan 2025.

Fuel transactions do not accrue any Reward Points, reducing overall earning potential.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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