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Bank of Baroda
BOBCARD Empower Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹250
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Eligibility
- Employment: self-employed
- Age: 21–65
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