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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.
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Last updated: 21 July 2026

Both BOBCARD Empower Credit Card and CMA One BOBCARD Credit Card suit business-focused spenders, but they earn and cost differently. BOBCARD Empower Credit Card is lifetime-free and earns 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes. CMA One BOBCARD Credit Card costs ₹1 + GST and earns 5X Rewards (5 pts/₹100) on dining, online, utility (capped 1k pts/cycle); 1 pt/₹100 on others. BOBCARD Empower Credit Card also brings air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs, while CMA One BOBCARD Credit Card counters with 12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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

Fees & Charges

Joining FeeFree (1st year)
Joining Fee₹1 + GST
Renewal Fee₹250 + GST
Renewal FeeFree (1st year)
Spend Based WaiverThe annual/renewal fee is waived on spending ₹50,000 or more in the previous anniversary year.
Spend Based Waiver
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome BonusEarn 500 Reward Points on spending ₹5,000 or more within the first 60 days of card issuance.
Welcome BonusComplimentary 6-month FitPass Pro membership & 500 bonus RPs on ₹5k spend in 60 days.
Rewards Rate5 Reward Points for every ₹100 on utility payments (max 1,000 points/cycle); 1 Reward Point for every ₹100 on other retail spends.
Rewards Rate1 RP per ₹100 on retail; 5x RP on dining, utility, online (capped at 1,000 RP/cycle).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access12 complimentary visits/year (3/quarter); subject to ₹40k spend in preceding quarter from Jan 2025.
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits12 complimentary domestic lounge access annually; 2% reduced forex markup on international spends.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsEarn 5x Reward Points on dining spends, capped at 1,000 RP per statement cycle.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹250/month. GST applicable.
Fuel Surcharge Waiver1% waiver on fuel spends (₹400-₹5,000), capped at ₹250 per statement cycle.

Security & Other

Insurance BenefitsComplimentary insurance covers (details not specified).
Insurance Benefits₹15L air accident, ₹5L non-air accident death cover, ₹5L Professional Indemnity Insurance.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
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.

BOBCARD Empower Credit Card

CMA One BOBCARD Credit Card

Who is it for?

The BOBCARD Empower Credit Card is designed for proprietors, self-employed individuals, and small businesses to manage expenses efficiently. It offers a zero joining fee, waivable annual fee, and a decent reward rate with accelerated points on utility payments. Key benefits include a 1% fuel surcharge waiver, up to 50 days interest-free credit, and features for business convenience like expense tracking and streamlined bill settlement, making it an excellent choice for basic credit requirements.

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.

Zero joining fee and an annual fee that is easily waived with moderate spending.

Earn 5X Reward Points on utility payments, maximizing savings on essential bills.

Benefit from up to 50 days of interest-free credit, aiding business cash flow management.

Includes a 1% fuel surcharge waiver, providing savings on regular fuel expenses.

Offers business-centric features like expense tracking and personalized card embossing.

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.

Lacks premium lifestyle benefits such as lounge access, movies, dining, or travel perks.

Reward points are not earned on fuel transactions, limiting overall reward accumulation.

Details regarding the complimentary insurance covers are not explicitly specified.

A slight discrepancy in the stated annual fee (₹250 + GST vs. ₹500) exists.

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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