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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.
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Last updated: 21 July 2026

Both myBiz ICICI Bank Business+ Credit Card and CMA One BOBCARD Credit Card suit travel-focused spenders, but they earn and cost differently. myBiz ICICI Bank Business+ Credit Card costs ₹2,500 + GST and earns 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels. 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. myBiz ICICI Bank Business+ Credit Card also brings 2 complimentary domestic airport lounge visits per quarter at participating lounges in India, while CMA One BOBCARD Credit Card counters with 12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025. If travel spending matters more, go with myBiz ICICI Bank Business+ Credit Card; if business is the priority, CMA One BOBCARD Credit Card fits better.

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
Joining Fee₹1 + GST
Renewal FeeFree (1st year)
Renewal FeeFree (1st year)
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.5%
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.67% Monthly (44% Yearly)
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome Bonus2500 myBiz Cash, ₹750 off on 7 flight bookings, ₹1500 off on 7 hotel bookings.
Welcome BonusComplimentary 6-month FitPass Pro membership & 500 bonus RPs on ₹5k spend in 60 days.
Rewards RateEarn up to 4 myBiz Cash per ₹200 on myBiz app/website bookings; 1.25-1.5 myBiz Cash on other 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 Fee₹99
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
Domestic Lounge Access12 complimentary visits/year (3/quarter); subject to ₹40k spend in preceding quarter from Jan 2025.
International Lounge Access1 complimentary visit per year to an international airport lounge.
International Lounge Access
Travel BenefitsDiscounts on flights/hotels, no booking/rescheduling fees, complimentary meals on domestic flights via myBiz.
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% surcharge waiver across all petrol pumps
Fuel Surcharge Waiver1% waiver on fuel spends (₹400-₹5,000), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits₹15L air accident, ₹5L non-air accident death cover, ₹5L Professional Indemnity Insurance.
Cash Advance Charges2.5% or a minimum of ₹300
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.

myBiz ICICI Bank Business+ Credit Card

CMA One BOBCARD Credit Card

Who is it for?

The myBiz ICICI Bank Business+ Credit Card is an affordable business credit card specifically designed to cater to business and travel requirements. It offers a competitive reward rate on travel, complimentary airport lounge access, and discounts on travel bookings. Ideal for businesses that frequently book travel, it comes with no renewal fees after the first year, making it a cost-effective choice for corporate travel management.

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.

Enjoy a one-time joining fee with no renewal charges from the second year onwards.

Earn high rewards and accelerated myBiz Cash on all travel bookings via myBiz MMT.

Benefit from complimentary access to both domestic and international airport lounges.

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.

Benefits are largely concentrated on myBiz MMT travel bookings, limiting broader utility.

A foreign currency markup of 3.5% applies to international transactions, increasing costs.

A redemption fee of ₹99 is charged for converting myBiz Cash, reducing overall value.

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.
Apply for myBiz ICICI Bank Business+ Credit Card(opens in new tab)Apply for CMA One BOBCARD Credit Card(opens in new tab)