What is the annual fee for BOBCard Empower?

The annual fee is ₹500. However, it's waived if you spend ₹50,000 or more in a calendar year, making it free for active business users.

How to apply for BOBCard Empower?

You can apply online through Bank of Baroda's website or visit a nearby branch. The application process typically requires proof of income, identity, and address for business applicants.

What rewards does BOBCard Empower offer?

You earn 1 reward point per ₹100 spent. New cardholders get 500 bonus reward points on spending ₹5,000 within 60 days of issuance, valued at ₹125.

What are the eligibility criteria for BOBCard Empower?

Eligibility criteria are not specified in the card details. Check Bank of Baroda's official website or contact their customer service for current income requirements and business verification documentation needed.

Does BOBCard Empower offer airport lounge access?

Lounge access details are not specified for this card. Contact Bank of Baroda directly to confirm if any complimentary or paid lounge access is available with BOBCard Empower.

Is BOBCard Empower worth it?

It's worthwhile if you spend ₹50,000+ annually, as the annual fee gets waived and you'll earn steady reward points. The 1% return rate is modest, so compare with cards offering higher rewards on business categories that match your spending pattern.

Credit Cards

BusinessEntryMastercard

BOBCard Empower

Business spending rewards without the joining fee

Annual fee₹500Waived on ₹0.5L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

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Welcome benefits

worth ₹125

500 Reward Points on spending ₹5,000 within 60 days

Type: Reward Points
Trigger: Spend ₹5,000 within 60 days

Rewards

Base earn rate

Earn 1 Reward Point for every ₹100 spent on all other MCCs

Excludes: Fuel, Select MCCs

Category	Rate	Cap
Utility	—	—

Redemption value

cashback: ₹0.25/pt

Fees & charges

Joining fee: Zero Joining Fee
Annual / renewal fee: Annual Fee of ₹500 waived on anniversary spends of ₹50,000
Annual fee waiver: Spend ₹50,000 in every anniversary year to get annual fee reversal
Add-on card fee: Free
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹15L

air-accident death cover of ₹15 lakhs

Credit liability

₹5L

Eligibility

Income (salaried): For BoB Customers Minimum Net Annual Income is ₹3.6 Lakh. For Non BoB Customers Minimum Net Annual Income is ₹4.8 Lakh
Income (self-employed): ₹3.6L/year
Age: 24–65 years

Employment types

Self-EmployedProprietor

Required documents

Recent Passport size photograph (with clear / white background & without dark / tinted glass)
PAN Card
Aadhaar Card (both side)
Voter ID Card issued by election commission of India
Passport
Driving Licence
Job Card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of the name & address
GSTIN Registration details along with latest copy of GST return
Income Documents: Customers can apply basis sanction letter of any of the below tradelines - Business Loan >= 5 Lac and vintage >= 18 months, OR CC/OD (including Dealer Finance / Supply Chain Financing) >= 5 Lac and vintage >= 18 months, OR Term Loan (such as Machinery Loan etc.) >= 10 Lac and vintage >= 18 months, OR LAP >= 20 Lac and vintage >= 18 months