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Bank of Baroda EMPOWER Credit Card

Home Credit Card Bank of Baroda Credit Card EMPOWER Credit Card
Updated: 13-09-2025 04:25:27 AM

Bank of Baroda EMPOWER Credit Card is a business card for the self-employed. You can avail a basic rewards benefit and earn unlimited reward points on all your spends using this card. A joining bonus and annual fee reversal add to the value-back you can get based on your card spends. Here are the details of the features, benefits, fees and charges related to Bank of Baroda EMPOWER credit card.

Bank of Baroda EMPOWER Credit Card: Key Highlights
Joining Fee Nil
Annual Fee Rs. 500
Best-Suited For Business-owners
Welcome Benefit 500 reward points
Key Feature Uncapped reward points on every spend

Note: This card is not available on Paisabazaar.com. The content on this page is for information only. To apply for this card, please visit BoB Bank’s website.

Bank of Baroda EMPOWER Credit Card: Features & Benefits
Entry-level Cards Similar to BoB EMPOWER Credit Card
Bank of Baroda EMPOWER Credit Card: Fees & Charges
Bank of Baroda EMPOWER Credit Card: Eligibility Criteria
Bank of Baroda EMPOWER Credit Card: Features & Benefits

BoB EMPOWER Business credit cardholders can avail the following card benefits:

Joining Benefit: 500 reward points on making Rs. 5,000 card spends within 60 days of card issuance.

Rewards Benefits: Unlimited 1 reward point per Rs. 100 spent, except select MCCs and fuel spends. Here, 1 Reward Point = Rs. 0.25

Annual Fee Reversal: On reaching card spends worth Rs. 50,000 during a year

Insurance Coverage: Personal accidental death cover worth Rs. 15 lakh for air and Rs. 5 lakh for non-air accidental death.

Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel transactions between Rs. 400 and Rs. 5,000.

Entry-level Cards Similar to BoB EMPOWER Credit Card
Credit Card Card Fee Key Feature
ICICI Bank Business Gold Credit Card Nil Business-oriented discount offers; Access to SME Empower to support business
HDFC Business MoneyBack Credit Card Rs. 500 5% monthly cashback on business essential spends
YES First BUSINESS Credit Card Rs. 999 Complimentary international lounge access; low foreign currency markup
AU Business Cashback Credit Card Rs. 99 per month 1% cashback on paying the total amount due; Access to instant loan
Bank of Baroda EMPOWER Credit Card: Fees & Charges
Fee Type  Amount Details
Joining Fee Nil
Annual Fee Rs. 500
Finance Charges 3.49% 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

Click here for the detailed terms and conditions associated with Bank of Baroda Credit Cards.

Bank of Baroda EMPOWER Credit Card: Eligibility Criteria
Criteria Details
Age Above 18 years
Occupation Business-owner / Self-employed
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