Bank of Baroda Empower Credit Card
Bank of Baroda Bank of Baroda

Bank of Baroda Empower Credit Card

/assest/image/icons/fuel.svg Fuel
/assest/image/icons/Insurance-Benefits-icon.png Insurance Benefits
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Fuel Fuel
Insurance Benefits Insurance Benefits
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹500* + Tax

Welcome benefits:- 500 reward points on spending Rs. 5,000 within 60 days of card issuance.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Bank of Baroda Empower Credit Card

Bank of Baroda EMPOWER Credit Card is designed for self-employed individuals and business owners. It offers unlimited reward points on all your spending, along with a joining bonus and annual fee waiver based on your card usage. Below are the details of its features, benefits, fees, and charges.

Bank of Baroda Empower Credit Card Rewards Program

Reward Points

  • Earn 1 reward point for every Rs. 100 spent on retail purchases
  • No reward points on fuel transactions

Reward Redemption

  • Points can be redeemed via the BoB Rewards portal
  • Can also be redeemed for cashback at 1 reward point = Rs. 0.25

Other Features and Benefits

Joining Benefit:

  • Earn 500 reward points on spending Rs. 5,000 within 60 days of card issuance

Insurance Benefits:

  • Air accidental death cover: Rs. 15 lakh
  • Non-air accidental death cover: Rs. 5 lakh

Annual Fee Waiver:

  • Annual fee of Rs. 250 is waived on spending Rs. 50,000 in a year

Fuel Surcharge Waiver:

  • 1% waiver on fuel spends between Rs. 400–5,000 (up to Rs. 250/month)

Easy Tracking & Bill Settlement:

  • Track employee spends easily
  • All cards billed on the same day for simpler payment

Fees and Charges

Fee Type Amount Details
Joining FeeNil
Annual FeeRs. 500
Finance Charges3.49% per month i.e 41.88% per annum
Late Payment Charges

On Statement Balance of:

Less than Rs. 100: Nil

Rs. 100 to Rs. 500: Rs. 100

Rs. 501 to Rs. 1,000: Rs. 400

Rs. 1,001 to Rs. 10,000: Rs. 750

Rs. 10,001 to Rs. 25,000: Rs. 950

Rs. 25,001 to Rs. 50,000: Rs. 1,100

More than Rs. 50,000: Rs. 1,300

Things to Know Before you apply

Get this card if:

  • You are self-employed or a business owner looking for a business credit card.
  • You want to earn unlimited reward points on all your spends.
  • You want to save on fuel with a surcharge waiver.
  • You want accidental insurance coverage for peace of mind.
  • You can meet the annual spending threshold to get the fee waived.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Bank of Baroda Empower Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Bank of Baroda Empower Credit Card Hilights

What do we like about this card?

  • No joining fee
  • 1 reward point for every Rs. 100 spent
  • Reward points redeemable for cashback
  • Accidental death cover up to Rs. 15 lakh
  • 1% fuel surcharge waiver on fuel spends
  • Annual fee waived on meeting spend criteria

Pros

  • No joining fee
  • Unlimited reward points on all spends
  • Reward points redeemable for cashback
  • Accidental death cover up to Rs. 15 lakh
  • 1% fuel surcharge waiver
  • Annual fee waiver on meeting spending criteria

Cons

  • No joining bonus apart from spends-based rewards
  • Reward points not earned on select MCCs and fuel transactions

Bank of Baroda Credit Card Contact Details

  • Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
  • Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
  • Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
     

Frequently Asked Questions

Everything you need to know about this credit card

The card is designed for self-employed individuals and business owners looking to manage business expenses and earn rewards.

You earn 500 reward points on spending Rs. 5,000 within 60 days of card issuance.

Yes, the card offers air accidental death cover of Rs. 15 lakh and non-air accidental death cover of Rs. 5 lakh.

The annual fee of Rs. 250 is waived if you spend Rs. 50,000 or more in a year.

Yes, there is a 1% waiver on fuel spends between Rs. 400–5,000, capped at Rs. 250 per month.

Yes, the card allows easy tracking of all employee spends, and all cards are billed on the same day for convenient settlement.

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