{"id":85475,"date":"2026-03-05T16:45:12","date_gmt":"2026-03-05T11:15:12","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85475"},"modified":"2026-03-05T16:45:16","modified_gmt":"2026-03-05T11:15:16","slug":"bob-empower-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-empower-credit-card\/","title":{"rendered":"Empower Your Business With the BOB EMPOWER Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 1 reward point per \u20b9100 business spending.<\/li>\n\n\n\n<li>The welcome bonus includes 500 reward points.<\/li>\n\n\n\n<li>Annual fee \u20b9500 reversed after \u20b950,000 yearly spending.<\/li>\n\n\n\n<li>Accidental insurance cover includes \u20b915 lakh air protection.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The BOB EMPOWER Credit Card is a business-focused card designed for self-employed professionals. It offers steady rewards on business spending with simple value back. Moreover, you earn reward points on all eligible transactions and receive a welcome bonus on early usage.<\/p>\n\n\n\n<p>Though there is no joining fee, the card carries an annual fee of \u20b9500, which is reversed when yearly spending reaches \u20b950,000.&nbsp;<\/p>\n\n\n\n<p>Keep reading to learn more about the benefits and charges of this card!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#bob-empower-credit-card-benefits\">BOB EMPOWER Credit Card Benefits<\/a><\/li><li><a href=\"#bank-of-baroda-empower-credit-card-charges\">Bank of Baroda EMPOWER Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-empower-credit-card-benefits\"><strong>BOB EMPOWER Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Empower-benefits-1024x683.png\" alt=\"BOB EMPOWER Credit Card Benefits\" class=\"wp-image-85477\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Empower-benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Empower-benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Empower-benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Empower-benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Empower-benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The BOBCARD EMPOWER welcomes you with a bonus 500 reward points when you spend \u20b95,000 within the first 60 days of card issuance. Apart from this, the other benefits include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Everyday Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 1 reward point for every \u20b9100 spent on eligible purchases. Points convert into cashback without any maximum earning limit.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Insurance Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card includes accidental death insurance coverage of \u20b915 lakh for air incidents and \u20b95 lakh for non-air incidents.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Business Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Add your business name on the card for easy identification. Receive categorised statements that help track and manage business spending efficiently.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Special Services<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Manage your card by logging in to the <a href=\"https:\/\/online.bobcard.co.in\/Login.aspx?ReturnUrl=%2f\" target=\"_blank\" rel=\"noopener\">Self-Care Portal<\/a> of BOBCARD EMPOWER. Resolve card queries quickly with 24\/7 support on toll-free number 1800-103-1006.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get 1% fuel surcharge waiver on transactions between \u20b9400 and \u20b95,000, with a maximum waiver of \u20b9250 per statement cycle.&nbsp;<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Easy EMI Options<\/strong><\/li>\n<\/ol>\n\n\n\n<p>You can also easily convert all your purchases above \u20b92,500 into flexible EMI plans between 6 and 48 months.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-empower-credit-card-charges\"><strong>Bank of Baroda EMPOWER Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>Enjoy an interest-free period of up to 50 days on eligible purchases with the\u00a0 Bank of Baroda EMPOWER Credit Card. After this period, a finance charge of 3.49% per month, or 41.88% annually, applies on outstanding balances.<\/p>\n\n\n\n<p>Here is a table for <a href=\"https:\/\/www.bobcard.co.in\/most-important-terms-and-condition\/bobcard-mitc\" target=\"_blank\" rel=\"noopener\">other charges applicable<\/a> to the card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Foreign Currency Transaction<\/td><td>3.5%<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than 100 is NIL.For amounts ranging from \u20b9100 to \u20b950,000 and above, it ranges between \u20b9100 and \u20b91300.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Late payment charges can increase your overall card costs if due dates are missed. Stay ahead with the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a>, which sends timely reminders and helps you easily complete credit card bill payment while tracking every payment securely.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward points can be redeemed as cashback at a value of \u20b90.25 per point without redemption limits.<\/li>\n\n\n\n<li>Billing cycles fall on fixed monthly dates of 1st, 7th, 13th, 16th, 18th or 25th, with a one-time option available to request a change.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772708173292\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the BOB EMPOWER Credit Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply online through the official BOBCARD website by completing the form and identity verification. Also, you may contact customer support or visit a Bank of Baroda branch.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772708195634\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What makes you eligible for the Bank of Baroda EMPOWER Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Applicants must be Indian resident self-employed individuals aged between 24 and 65 years. Minimum income starts from \u20b93.6 lakh for BoB customers and \u20b94.8 lakh for others.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772708212895\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What documents are required for BOB EMPOWER Credit Card approval?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You need GST registration details and recent copies of your GST returns. Loan sanction letters or approved business credit facilities may also support your application eligibility.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The BOB EMPOWER Credit Card is a business-focused card designed for self-employed professionals. It offers steady rewards on business spending with simple value back. Moreover, you earn reward points on all eligible transactions and receive a welcome bonus on early usage. Though there is no joining fee, the card carries an annual fee [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85476,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85475"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85475\/revisions"}],"predecessor-version":[{"id":85478,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85475\/revisions\/85478"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85476"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}