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ICICI Bank Business Advantage Blue 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

ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹1 + GST
Renewal Fee
₹500 + GST
Nil
Spend Based Waiver
Joining fee waived on ₹50k spend in 60 days; annual fee waived on ₹5L spend/year.
Foreign Transaction Fees
3.5% on all international transactions.
2% of the total transaction amount
Interest Rate (APR)
3.40% to 3.75% per month (40.80% to 45% annually) on outstanding balances.
3.49% per month

Rewards & Benefits

Welcome Bonus
The joining fee of ₹500 + GST can be waived off if you spend ₹50,000 or more within the first 60 days of card issuance.
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 and 500 bonus points.
Rewards Rate
Up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments.
Earn 5X Rewards (5 pts/₹100) on dining, online, utility (capped 1k pts/cycle); 1 pt/₹100 on others.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil.
Nil

Travel & Lifestyle

Domestic Lounge Access
2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter.
12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025.
International Lounge Access
Not applicable.
Travel Benefits
Assistance with flight/hotel reservations & 2 complimentary domestic lounge visits per quarter.
Travel benefits: 12 complimentary domestic lounge access visits and a low 2% foreign currency markup.
Movie Benefits
Not Applicable
Dining Benefits
Avail minimum 15% discount on dining bills at 2500+ partnered restaurants under Culinary Treats Program.
5X Reward Points on dining spends, capped at 1,000 points per cycle.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver at HPCL, max ₹500/month, on fuel spends up to ₹5,000.
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No reward points on fuel.

Security & Other

Insurance Benefits
Extensive coverage: Air accident (₹75L), accidental death (₹5L), medical (₹1L), lost card (₹1L).
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% of transaction amount or ₹300, whichever is higher.
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.

ICICI Bank Business Advantage Blue Card

CMA One BOBCARD Credit Card

Who is it for?

The ICICI Bank Business Advantage Blue Credit Card is tailored for professionals and entrepreneurs, offering valuable cashbacks on business expenses like airline, hotel, and restaurant spends. It provides significant savings through waivable fees, complimentary domestic lounge access, and extensive insurance coverage. With 24x7 concierge services and modern payment technology, it simplifies business spending and optimizes savings efficiently.

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.

Excellent for entrepreneurs, optimizing business expenditures with significant savings.

Offers cashbacks on frequent business expenses, including airline, hotel, and dining.

Provides comprehensive insurance coverage, enhancing security and peace of mind.

Both joining and annual fees are reasonable and can be waived by meeting spend targets.

Includes valuable perks like domestic airport lounge access and 24x7 concierge services.

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.

Cashback earnings are tiered and subject to statement balance thresholds, limiting initial rewards.

Cashback is restricted to specific categories like airline, hotel, and restaurant spends.

A maximum monthly cashback cap of ₹2,000 may limit significant high-spenders.

Does not offer any complimentary international airport lounge access benefits.

No cashback on common spends like fuel, insurance, or cash withdrawals.

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.