Skip to main content

YES FIRST 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.
Verified
Last updated: 21 July 2026

Both YES FIRST Business Credit Card and CMA One BOBCARD Credit Card suit business-focused spenders, but they earn and cost differently. YES FIRST Business Credit Card costs ₹999 + GST and earns 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month. 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. YES FIRST Business Credit Card also brings 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend, 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.

YES FIRST Business Credit Card
YES FIRST Business Credit Card
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹1 + GST
Renewal Fee₹999 + GST
Renewal FeeFree (1st year)
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Spend Based Waiver
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Welcome BonusComplimentary 6-month FitPass Pro membership & 500 bonus RPs on ₹5k spend in 60 days.
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
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₹100 + GST charge for redeeming reward points.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
Domestic Lounge Access12 complimentary visits/year (3/quarter); subject to ₹40k spend in preceding quarter from Jan 2025.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
International Lounge Access
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Travel Benefits12 complimentary domestic lounge access annually; 2% reduced forex markup on international spends.
Movie BenefitsNot Applicable
Movie Benefits
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Dining BenefitsEarn 5x Reward Points on dining spends, capped at 1,000 RP per statement cycle.
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
Fuel Surcharge Waiver1% waiver on fuel spends (₹400-₹5,000), capped at ₹250 per statement cycle.

Security & Other

Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Insurance Benefits₹15L air accident, ₹5L non-air accident death cover, ₹5L Professional Indemnity Insurance.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
Cash Advance Charges2.5% or min ₹300 (domestic); 3% or min ₹300 (international).
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

YES FIRST Business Credit Card

CMA One BOBCARD Credit Card

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

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.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

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.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net 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 YES FIRST Business Credit Card(opens in new tab)Apply for CMA One BOBCARD Credit Card(opens in new tab)