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BOBCARD ICSI Diamond 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 ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee
Nil
₹1 + GST
Renewal Fee
Nil
Nil
Spend Based Waiver
Nil. Lifetime free card with zero joining and annual fees, no waiver needed.
Foreign Transaction Fees
2% 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
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 & 500 Reward Points on ₹5k spend.
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 and 500 bonus points.
Rewards Rate
Up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others.
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 2025.
12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025.
International Lounge Access
Not Applicable
Travel Benefits
Complimentary domestic lounge access & low 2% foreign currency markup for international usage.
Travel benefits: 12 complimentary domestic lounge access visits and a low 2% foreign currency markup.
Movie Benefits
Not Applicable
Dining Benefits
Earn 5 Reward Points per ₹100 spent on dining.
5X Reward Points on dining spends, capped at 1,000 points per cycle.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 transactions, 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
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% (min ₹300) domestic ATMs; 3% (min ₹300) international ATMs.
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 ICSI Diamond Credit Card

CMA One BOBCARD Credit Card

Who is it for?

The BOBCARD ICSI Diamond Credit Card is a lifetime-free, exclusive card for active ICSI members. It offers robust rewards up to 5x on dining, online & utilities, generous milestone bonuses, and complimentary domestic lounge access. Cardholders also benefit from comprehensive insurance, a low 2% foreign currency markup, and valuable perks like a fuel surcharge waiver and free add-on cards. This card delivers premium privileges and security tailored for professionals.

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.

Lifetime free card, eliminating any concerns about joining or annual fees.

Offers robust reward programs with accelerated points and generous milestone bonuses.

Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.

Provides extensive insurance coverage for professional indemnity and accidental death.

Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.

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.

Exclusive card available only to active members of the Institute of Company Secretaries of India.

Accelerated reward points on specific categories are capped at 1000 RPs per cycle.

Domestic lounge access will require a minimum spend condition from January 2025.

No complimentary international airport lounge access provided with this credit card.

Reward points are primarily offered, with direct cashback not being a primary earning type.

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.