All cards / Bank of Baroda
BOBCARD Empower Credit Card
An affordable BOBCARD product aimed at proprietors and self-employed individuals wanting a low-fee everyday card with EMI flexibility rather than travel perks.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Eligibility
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- 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- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher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 on transactions between ₹400 and ₹5,000
- Smart EMI facility for converting large purchases
Pros
- + Zero joining fee
- + Very low ₹250 annual fee, easily waived
- + Straightforward fuel surcharge waiver
Cons
- − No lounge access or travel benefits
- − Flat, unremarkable 0.25% base reward rate
- − Narrowly targeted at the self-employed/proprietor segment