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.
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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 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 |
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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
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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.
