BusinessEntryRuPay

BOBCARD Micro Enterprise

Straightforward rewards for growing micro enterprises

Annual fee₹500Waived on ₹0.5L spend

RewardsEarn 1 Reward Point* for every ₹100 spent (except on select MCCs & Fuel)

Forex markup3.5%Forex Markup: 3.5%

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Welcome benefits

₹500 Joining Fee Waived as service gesture

Base earn rate

Earn 1 Reward Point* for every ₹100 spent (except on select MCCs & Fuel)

Excludes: Select MCCs, Fuel

Domestic

0visits / year

International

Not included

Joining fee: ₹500 Joining Fee (Waived as service gesture)
Annual / renewal fee: ₹500 Annual Fee (Waived on ₹50,000 annual spends)
Annual fee waiver: Spend ₹50,000 in your card's anniversary year to get waiver of next years annual fee i.e. ₹500 + GST
Add-on card fee: Free
Interest rate: Finance Charges: 1.5% per month (18% 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: Forex Markup: 3.5%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

Fraud liability

Zero Liability on lost card - Report loss of card immediately to ensure zero liability on any fraudulent transactions.

Employment types

Micro Enterprise

Required documents

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Wide Acceptance - Use your card at shops, markets, suppliers, and online platforms - wherever credit cards are accepted
Digital Convenience - Easily check statements, track spends, and manage your card through the BOBCARD App

No rewards on

Select MCCs · Fuel

Card management via BOBCARD App.