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myBiz ICICI Bank Business+ 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

myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee
₹2,500 + GST
₹1 + GST
Renewal Fee
Nil
Nil
Spend Based Waiver
Not applicable
Foreign Transaction Fees
3.5%
2% of the total transaction amount
Interest Rate (APR)
3.67% monthly (equivalent to 44% yearly)
3.49% per month

Rewards & Benefits

Welcome Bonus
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 and 500 bonus points.
Rewards Rate
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
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
₹99
Nil

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025.
International Lounge Access
1 complimentary visit per year to an international airport lounge worldwide.
Travel Benefits
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Travel benefits: 12 complimentary domestic lounge access visits and a low 2% foreign currency markup.
Movie Benefits
Not applicable
Dining Benefits
Not applicable
5X Reward Points on dining spends, capped at 1,000 points per cycle.
Golf Benefits
Not applicable
Fuel Surcharge Waiver
1% surcharge waiver across all petrol pumps
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No reward points on fuel.

Security & Other

Insurance Benefits
Not applicable
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% or a minimum of ₹300
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.

myBiz ICICI Bank Business+ Credit Card

CMA One BOBCARD Credit Card

Who is it for?

The myBiz ICICI Bank Business+ Credit Card is tailored for business and travel, offering myBiz Cash rewards redeemable on MakeMyTrip. It has a one-time joining fee offset by welcome benefits, effectively making it lifetime-free. Enjoy travel perks like lounge access and discounts on flight/hotel bookings, ideal for frequent business travelers.

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.

Features only a one-time joining fee, with no renewal charges.

Welcome benefits provide an equal value in myBiz Cash, effectively waiving the first year's fee.

Offers complimentary domestic and international airport lounge access.

Provides accelerated rewards for travel bookings made via MakeMyTrip myBiz.

Offers a valuable 1% fuel surcharge waiver across all petrol pumps, reducing fuel costs.

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.

Its benefits are heavily concentrated on travel bookings through MMT myBiz, limiting broader appeal.

A rewards redemption fee of ₹99 applies, which can reduce the overall value of earned points.

A foreign currency markup of 3.5% is charged on international transactions, increasing overseas spend costs.

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.