Experience exclusive benefits and exciting features with the Bank of Baroda CMA One Credit Card, exclusively designed for ICMAI (Institute of Cost Accountants of India) members. This credit card is tailored to fulfill your desire for exclusive experiences, offering unmatched benefits and delightful savings opportunities. Take a look at the key features and benefits of the Bank of Baroda CMA One Credit Card:
1. Accelerated Rewards: Earn 5 reward points for every ₹100 spent on dining, online purchases, and utility bills. Additionally, you can earn 1000 bonus reward points on 5 transactions worth ₹1000 or more each, every month.
2. Shopping Delights: Enjoy exclusive shopping benefits with the CMA One Credit Card, adding more value to your money. Take advantage of special offers and discounts at select partner outlets.
3. Travel Benefits: Enhance your travel experiences with the best travel benefits offered by the CMA One Credit Card. You receive 12 complimentary access passes (3 per quarter) at partner domestic airport lounges, allowing you to enjoy a comfortable and relaxing airport experience. Furthermore, save on international spends with a reduced forex mark-up of 2%.
4. Fitness & Frolic: Embrace a healthy and luxurious lifestyle with the Bank of Baroda CMA One Credit Card. As a welcome gift, you receive a free 6-month FitPass Pro membership worth ₹15,000, providing you access to various fitness facilities and services.
The Bank of Baroda CMA One Credit Card is designed to cater to the unique needs of ICMAI members, providing them with exclusive privileges and benefits. Apply now and unlock a world of exclusive experiences with this credit card.
Benefits of Bank of Baroda CMA One Credit Card
The Bank of Baroda CMA One Credit Card offers a range of benefits and features to enhance your credit card experience. Let’s explore these benefits in detail:
Milestone Rewards:
- Earn 1,000 reward points by transacting with your card within 30 days of issuance.
- Receive 4,000 reward points every quarter on spending more than your card’s credit limit.
Fuel Surcharge Waiver:
Enjoy a 1% fuel surcharge waiver at all fuel stations across India for transactions between ₹400 and ₹5,000. The maximum waiver per statement cycle is ₹250. Please note that fuel transactions do not earn reward points.
Extra Rewards:
Earn 1 reward point for every ₹100 spent on any other category apart from dining, online purchases, utility bills, and fuel. Accumulated reward points can be redeemed for cashback at a rate of 1 reward point = ₹0.25.
Easy EMI Option:
Convert purchases of ₹2,500 or more on your card into easy EMIs of 6 or 36 months, providing you with flexibility in managing your expenses.
Free Add-on Card:
Obtain up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above the age of 18. This allows your family members to enjoy the benefits and privileges of the Bank of Baroda CMA One Credit Card.
Complimentary Insurance:
Benefit from various insurance covers, including Professional Indemnity Insurance Cover of ₹5 lakhs, Air Accident Death Cover of ₹15 lakhs, and Non-Air Accident Death Cover of ₹5 lakhs, offering you financial protection and peace of mind.
Zero Liability on Lost Card:
Report the loss of your card immediately to ensure zero liability for any fraudulent transactions.
With these features and benefits, the Bank of Baroda CMA One Credit Card aims to provide you with an exclusive and rewarding credit card experience.
Eligibility
To be eligible for the Bank of Baroda CMA One Credit Card, you need to meet the following eligibility criteria:
1. Active ICMAI Membership: You must be an eligible and active member of the Institute of Cost Accountants of India (ICMAI).
2. Credit Policy: Your application for the credit card is subject to the bank’s credit policy, which takes into consideration factors such as income, credit history, and other relevant criteria.
3. Add-on Cardholder Age: The add-on cardholders, who can be your spouse, parents, siblings, or children, should be over 18 years of age.
4. Indian Residency: You should be a resident of India to be eligible for the Bank of Baroda CMA One Credit Card.
Meeting these eligibility criteria will help you qualify for the exclusive benefits and privileges offered by the Bank of Baroda CMA One Credit Card.
Documentation
To apply for the Bank of Baroda CMA One Credit Card and avail yourself of its exclusive benefits, offers, and rewards, you will need to submit the following documents along with the application form:
1. Photocopy of PAN Card: Provide a photocopy of your Permanent Account Number (PAN) card.
2. Photocopy of ICMAI Membership Card: Include a photocopy of your Institute of Cost Accountants of India (ICMAI) membership card.
3. Latest Salary Slip/ITR: Submit your latest salary slip or Income Tax Return (ITR) as proof of your income. Alternatively, if you have any other credit card, provide a copy of the same along with the latest bill statement.
4. Current Residence Proof: Include a document that serves as proof of your current residence, such as a utility bill, rental agreement, or Aadhaar card.
5. Recent Passport-Size Photograph: Attach a recent passport-size photograph of yourself with the application form.
By submitting these documents along with the application form, you can proceed with the application process for the Bank of Baroda CMA One Credit Card and unlock its exclusive features and rewards.
Fees and Charges
The annual fee structure for the Bank of Baroda CMA One Credit Card is as follows:
Primary Card:
- First Year Fee: A nominal fee of ₹1 will be charged in the first statement as the first-year fee for the primary card.
- Annual Fee (Subsequent Years): From the second year onwards, there will be no annual fee charged for the primary card.
Add-on Card:
- First Year Fee: There is no first-year fee for the add-on card.
- Annual Fee (Subsequent Years): Like the primary card, there will be no annual fee charged for the add-on card in subsequent years as well.
This means that after paying a minimal first-year fee of ₹1 for the primary card, you will not have to pay any annual fee for both the primary and add-on cards from the second year onwards. The Bank of Baroda CMA One Credit Card offers the benefit of lifetime free annual fees, providing you with continued savings and exclusive privileges.
Frequently Asked Questions (FAQs) about the Bank of Baroda CMA One Credit Card:
1. How can I apply for the Bank of Baroda CMA One Credit Card?
You can apply for the credit card by visiting the Bank of Baroda website or contacting their customer service. The application process typically involves submitting the required documents and fulfilling the eligibility criteria.
2. Can I avail myself of the lifetime free benefit if I already have another credit card?
Yes, you can still enjoy the lifetime free benefit of the Bank of Baroda CMA One Credit Card, even if you have another credit card. There are no annual fees for both the primary and add-on cards.
3. What are the accelerated rewards on this credit card?
With the CMA One Credit Card, you can earn 5 reward points for every ₹100 spent on dining, online purchases, and utility bills. Additionally, you can earn bonus reward points on specific monthly transactions.
4. Is there a fuel surcharge waiver on this credit card?
Yes, you can enjoy a 1% fuel surcharge waiver at all fuel stations across India for transactions between ₹400 and ₹5,000. Please note that fuel transactions do not earn reward points.
5. Can I convert my purchases into easy EMIs?
Yes, you can convert purchases of ₹2,500 or more on your CMA One Credit Card into easy EMIs of 6 or 36 months, offering you flexibility in managing your expenses.
Conclusion:
The Bank of Baroda CMA One Credit Card is specifically designed to cater to the needs and preferences of ICMAI members, offering exclusive benefits, accelerated rewards, travel perks, and more. With a lifetime free annual fee structure, this credit card provides you with financial freedom and a range of privileges. By meeting the eligibility criteria and submitting the necessary documents, you can apply for this credit card and enjoy its exclusive features. Apply today and experience the benefits of the Bank of Baroda CMA One Credit Card for your exclusive experiences and financial convenience.
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