BoB Empower Credit Card

The BoB EMPOWER Credit Card has been launched by the Bank of Baroda, which is specially designed for proprietors and self-employed individuals and provides various privileges, benefits, an affordable annual fee, and other significant features. 

Experience the advantages of our card with a hassle-free entry and an economical annual fee of just Rs. 250, easily waivable. Cardholders enjoy a generous reward rate, and the accumulated rewards can effortlessly offset the outstanding balance at an attractive redemption rate.

Additionally, benefit from complimentary insurance, a fuel surcharge waiver, a spend-based annual fee waiver, and various other perks. This card offers convenience by enabling you to monitor your employees’ expenses on their Empower cards and simplifying the bill settlement process.

Benefits and Features of BoB Empower Credit Card

Benefits and FeaturesBoB Empower Card
Welcome BenefitsN/A
Cashback/Rewards PointsCard users earn 1 Reward Point for every Rs. 100 spent.
Travel BenefitsN/A
Dining BenefitsN/A
Domestic Lounge AccessN/A
International Lounge AccessN/A
Movie BenefitsN/A
Insurance BenefitsCardholders will get air accident cover worth Rs. 15 lakhs and non-air accident cover worth Rs. 5 lakhs.
*terms and conditions are applied for every credit card, kindly check the official website of Bank of Baroda


  • Efficiently provides categorized statements reflecting card usage, facilitating easy tracking, reporting, and budget management.
  • Enables seamless cashless transactions for all your business needs.
  • Simplifies internal settlement processes for enhanced operational efficiency.
  • Facilitates negotiation with vendors for optimal deals based on your location and spending frequency.
  • Offers round-the-clock IVR support for swift assistance.
  • Multiple payment modes are available, including net banking, self-service portal, bill desk, NEFT or RTGS, auto debit, electronic payments, cash, cheque, and scan-and-pay.
  • Comprehensive insurance coverage, including Rs.15 lakh air accidental death coverage and Rs.5 lakh non-air accidental death coverage.
  • Enjoy interest-free credit for up to 50 days.
  • Earn one reward point for every Rs.100 spent, with the flexibility to redeem points for cashback.
  • Benefit from unlimited cashback, subject to a maximum cap on reward point earnings.
  • Avail a fuel surcharge of 1.00%, with a maximum of Rs.250, on fuel transactions ranging from Rs.400 to Rs.5,000.
  • Convert purchases exceeding Rs.2,500 into convenient EMIs for six or 36 months.

Eligibility & Document for BoB Empower Credit Card

Read the article on for BoB Empower Card Eligibility & Document here.

Fees & Charges of BoB Empower Credit Card

Fees & ChargesBoB Empower Card
Joining feeNil
Annual feeRs. 250
Fee waiverEnjoy an Annual Fee Waiver: The renewal fee is waived when you spend Rs. 50,000 or more in the preceding year.
Fuel surchargeBenefit from a 1% fuel surcharge waiver on all fuel transactions (up to Rs. 250 per month) at any fuel station in India using this credit card.
*terms and conditions are applied for every credit card offer, kindly check the official website of Bank of Baroda

How to apply for BoB Empower Credit Card

You can apply online or offline for this BoB Empower Card.

Online – Visit the Bank of Baroda bank’s official website and apply for this BoB Empower Card.

Offline – You can visit the nearest Bank of Baroda Bank branch with all the necessary documents for the BoB Empower Card.


The BoB Empower Credit Card emerges as an excellent choice for individuals with small businesses or those embarking on a new entrepreneurial venture, seeking a credit card for fundamental financial needs.

Beyond presenting appealing perks spanning various categories, the Empower Card simplifies expense tracking and facilitates a streamlined bill payment process. It’s an ideal solution for those starting out in business. While BoB also provides alternative options such as the BoB Corporate Card, it necessitates meeting slightly stringent eligibility criteria.

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