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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaBOBCARD EMPOWER
Bank of Baroda

BOBCARD EMPOWER

Reward Points Entry Level
3.5/5.0CardwiseHQ Review
0
Primary Reward
1 Reward Point for every ₹100 spent (0.25% effective cashback)
Fee Waiver
Waived on ₹50,000 anniversary spends.
3.5/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

A smart solution designed for proprietors and self-employed individuals to manage business expenses.

Fees & Charges

BOBCARD EMPOWER · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 0
Annual / Renewal Fee₹ 500
Fee Waiver ConditionWaived on ₹50,000 anniversary spends.

Rewards & Cashback

BOBCARD EMPOWER · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate1 Reward Point for every ₹100 spent (0.25% effective cashback)
Max Cashback / Rewards (Monthly)No maximum capping on reward points.
Welcome / Joining Bonus500 Reward Points on spent of ₹5,000 within 60 days of card issuance.
Milestone BenefitsSpend ₹50,000 in every anniversary year to get annual fee reversal.
Reward ExclusionsReward program is not applicable on select MCCs and Fuel.

Features & Benefits

BOBCARD EMPOWER · Detailed features & benefits

ParticularsDetails
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on fuel transactions between ₹400-₹5000 (Maximum waiver of ₹250 per statement).
EMI Conversion Available✓ Available
Contactless Payment✓ Available

Eligibility

BOBCARD EMPOWER · Detailed eligibility

ParticularsDetails
Minimum Age24
Maximum Age65
Card VariantEntry Level
Best ForProprietors and Self-Employed, Business Expense Management

Pros & Cons

Advantages
  • Zero joining fee and easily waivable annual fee on spends of ₹50,000.
  • Unlimited cashback earning potential via reward points.
  • Up to 50 days of interest-free credit period for business needs.
  • Personalized card with business name embossing and categorised statements.
  • Contactless payment, Smart EMI option, and Fuel Surcharge Waiver.
Disadvantages
  • Reward program not applicable on select merchant categories and fuel transactions.
  • Effective cashback rate is 0.25% (1 RP per ₹100, 1 RP = ₹0.25) which is relatively low.
  • No explicit mention of airport lounge access or other travel benefits.

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

3.5/5
Very Good
Overall Editor Rating
Best For: Proprietors and Self-Employed, Business Expense Management

BOBCARD EMPOWER by Bank of Baroda is rated 3.5/5 by our editorial team. A smart solution designed for proprietors and self-employed individuals to manage business expenses..

About BOBCARD EMPOWER

The BOBCARD EMPOWER is a credit card specifically tailored for proprietors and self-employed segments, offering an efficient way to manage business expenditures. It provides a generous interest-free credit period of up to 50 days, helping businesses with their short-term credit needs. Cardholders can also personalize their card with their business name and receive categorised statements to streamline expense tracking. This card features a straightforward reward program where every ₹100 spent earns 1 Reward Point, with these points redeemable as cashback at a rate of ₹0.25 per point, without any maximum capping on earnings. It also comes with the convenience of contactless payments and an EMI conversion option for purchases over ₹2,500, enhancing its utility for business owners.

Quick Facts

Annual Fee₹500
Card VariantEntry Level
Lounge Access✕ No
Fuel Waiver✓ Yes
Contactless✓ Yes