Who is the BOBCARD Empower Credit Card designed for?

The BOBCARD Empower Credit Card is specifically designed for proprietors and self-employed individuals to manage their business expenses efficiently.

What are the joining and renewal fees for the BOBCARD Empower Credit Card?

The BOBCARD Empower Credit Card has a Nil joining fee and a renewal fee of ₹250 + GST.

The annual renewal fee for the BOBCARD Empower card is waived if you spend ₹50,000 or more in the previous anniversary year.

The BOBCARD Empower Credit Card offers Reward Points, where you earn 1 Reward Point for every ₹100 spent on eligible categories.

Reward Points on the BOBCARD Empower card can be redeemed for cashback at a rate of 1 Reward Point = ₹0.25, with no maximum capping.

Yes, the BOBCARD Empower Credit Card includes air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs.

The foreign currency markup on the BOBCARD Empower Credit Card is 3.5% of the total transaction amount for international spends.

Yes, the BOBCARD Empower Credit Card allows owners to easily track all spending made by their employees on their respective Empower cards.

The BOBCARD Empower Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

Yes, the BOBCARD Empower Credit Card provides up to 50 days of interest-free credit period to help manage your business credit needs.

Bank of Baroda

Business

Last updated: 16 November 2025

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn 500 Reward Points on spending ₹5,000 within 60 days of card issuance.

Rewards Rate

Earn 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes.

Reward Type

Reward Points

Reward Redemption

Accumulated Reward Points can be redeemed for cashback at 1 Reward Point = ₹0.25.

Insurance Coverage

Air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs.

Detailed evaluation to help you make the right decision

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