What is the annual fee for BOBCARD Micro Enterprise?

The annual fee is ₹500, but it gets waived automatically if you spend ₹50 lakhs or more in a calendar year. This makes it a low-cost option for active business spenders.

How to apply for BOBCARD Micro Enterprise?

You can apply directly through Bank of Baroda's website or visit a nearby branch with your business registration documents, PAN, and KYC details. Approval timelines vary based on document verification.

What rewards does BOBCARD Micro Enterprise offer?

You earn 1 reward point for every rupee spent on all transactions. The redemption value and redemption options are determined by Bank of Baroda's rewards program structure.

What are the eligibility criteria for BOBCARD Micro Enterprise?

Eligibility criteria including minimum income, age, and business type requirements are not specified in the available details. Check Bank of Baroda's official website or contact their business lending team for current requirements.

Does BOBCARD Micro Enterprise offer airport lounge access?

Airport lounge access details are not mentioned for this card. As a micro enterprise business card, it focuses on transaction rewards rather than premium travel benefits.

Is BOBCARD Micro Enterprise worth it?

It's ideal if you're a micro business with consistent high spends—the ₹500 fee waives at ₹50L annual spend, and 1% rewards add up on larger transaction volumes. For lower spenders, the annual fee may not justify the benefit.

Credit Cards

BusinessEntryRuPay

BOBCARD Micro Enterprise

Straightforward rewards for growing micro enterprises

Annual fee₹500Waived on ₹0.5L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%Forex Markup: 3.5%

Apply Now Check Eligibility →

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

Rewards

Base earn rate

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

Excludes: Select MCCs, Fuel

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

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

View official MITC →

Insurance covers

Fraud liability

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

Eligibility

Age: 21–65 years

Employment types

Micro Enterprise

Required documents

Application form
KYC of Applicant
KYC of the Firm
Udyam Registration Number
GST registration Number
GST returns for last 2 financial years
ITR for last 3 years
Current account statement of the firm for last 12 months
JanSamarth Registration reference number

Features

✓ 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.

FAQs

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BusinessEntryRuPay

BOBCARD Micro Enterprise

Straightforward rewards for growing micro enterprises

Annual fee₹500Waived on ₹0.5L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%Forex Markup: 3.5%

Apply Now Check Eligibility →

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

Rewards

Base earn rate

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

Excludes: Select MCCs, Fuel

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

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

View official MITC →

Insurance covers

Fraud liability

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

Eligibility

Age: 21–65 years

Employment types

Micro Enterprise

Required documents

Application form
KYC of Applicant
KYC of the Firm
Udyam Registration Number
GST registration Number
GST returns for last 2 financial years
ITR for last 3 years
Current account statement of the firm for last 12 months
JanSamarth Registration reference number

Features

✓ 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.

BOBCARD Micro Enterprise

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Guides and tools

BOBCARD Micro Enterprise

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