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Bank of Baroda
Bank of Baroda Business Credit Card
RuPay
Bank of Baroda Business Credit Card
A dedicated business card from Bank of Baroda for MSME customers, offering higher limits and flat rewards distinct from the bank's Empower/Prime personal cards.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Enhanced limits for BoB current account business customers
Pros
- + Enhanced credit limits for business banking relationships
- + Flat rewards across categories
- + Fuel surcharge waiver for business travel
Cons
- − Higher fees than personal entry cards
- − Only for self-employed/business applicants
- − No specialized vendor or GST payment rewards