Bank of Baroda EMPOWER Credit Card

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.

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

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.

Criteria	Details
Age	Above 18 years
Occupation	Business-owner / Self-employed