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BOBCARD Empower Credit Card 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.

Features

BOBCARD Empower Credit Card
BOBCARD Empower Credit Card
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee
Nil
₹1 + GST
Renewal Fee
₹250 + GST
Nil
Spend Based Waiver
Annual renewal fee is waived off if you spend ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the total transaction amount.
2% of the total transaction amount
Interest Rate (APR)
3.49% per month.
3.49% per month

Rewards & Benefits

Welcome Bonus
Earn 500 Reward Points on spending ₹5,000 within 60 days of card issuance.
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 and 500 bonus points.
Rewards Rate
Earn 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes.
Earn 5X Rewards (5 pts/₹100) on dining, online, utility (capped 1k pts/cycle); 1 pt/₹100 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025.
International Lounge Access
Travel Benefits
Travel benefits: 12 complimentary domestic lounge access visits and a low 2% foreign currency markup.
Movie Benefits
Dining Benefits
5X Reward Points on dining spends, capped at 1,000 points per cycle.
Golf Benefits
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No reward points on fuel.

Security & Other

Insurance Benefits
Air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs.
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% (min ₹300) domestic, 3% (min ₹300) international.
2.5% or min ₹300 (domestic ATMs). 3% or min ₹300 (international ATMs).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Empower Credit Card

CMA One BOBCARD Credit Card

Who is it for?

The BOBCARD Empower Credit Card is tailored for proprietors and self-employed individuals, providing a smart solution for managing business expenses. It offers a zero joining fee, affordable renewal fee with waiver options, and a decent reward rate redeemable as cashback. Cardholders also benefit from complimentary insurance covers, fuel surcharge waivers, and features for tracking employee spends and simplifying bill settlements, making it an accessible business partner.

Who is it for?

The CMA One BOBCARD Credit Card is a lifetime-free card exclusively for ICMAI professionals. It features a minimal ₹1 joining fee and offers accelerated rewards on dining, online, and utility spends. Cardholders enjoy complimentary domestic lounge access, a low foreign currency markup, and extensive insurance benefits. Welcome and milestone rewards further enhance its value, making it a well-rounded financial tool.

Pros

Key benefits and features.

An excellent choice for small business owners managing their finances efficiently.

Facilitates convenient tracking of all card spends and simplifies bill payments.

Provides valuable insurance benefits for accidental death cover for cardholders.

Offers up to 50 days of interest-free credit to support diverse business needs.

Enjoy a personalised card look and contactless payments for added convenience.

Pros

Key benefits and features.

A lifetime-free credit card for ICMAI members with a nominal ₹1 joining fee.

Provides 12 complimentary domestic lounge visits annually, enhancing travel convenience.

Offers a competitive 2% foreign currency markup, beneficial for international spends.

Includes comprehensive insurance like professional indemnity and accident death cover.

Generous milestone rewards providing 4,000 bonus points quarterly on high spending.

Cons

Key drawbacks and limitations.

The general reward rate of 0.25% cashback on most spends is relatively low.

Lacks any premium travel benefits, including domestic or international lounge access.

The foreign currency markup of 3.5% can be quite high for international transactions.

Fuel surcharge waiver is capped at ₹250 per month, limiting potential savings.

Welcome benefits are modest, offering only 500 reward points for initial spends.

Cons

Key drawbacks and limitations.

The card's exclusivity means only ICMAI professionals are eligible to apply.

Complimentary lounge access is subject to a minimum spend from January 2025.

Accelerated reward points on key categories are capped at 1,000 points per cycle.

Lack of international lounge access might be a drawback for global travelers.

No specific benefits or discounts are offered for movie or entertainment categories.

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.