Bank of Baroda Empower Credit Cards, Reward Points Credit Cards, Fee Waiver

Discover how it fits your lifestyle

Key Benefits

Get up to 50 days of interest-free credit period to support your business credit needs. Earn unlimited cashback on spends with 1 reward point for every ₹100 spent. Redeem your reward points* as cashback with no maximum capping on reward points to earn. Keep your next in line future safe with an air-accident death cover of ₹15 lakhs & non-air accident death cover of ₹ 5 lakhs.

Specialised Benefits

Get a personalised card look with your business name on it through a fourth line embossing. Receive categorised statements to keep track of your business spends. Easily streamline your internal settlement processes through cashless transactions. Negotiate best deals with the vendors based on your employee's expenditure patterns and locations.

Specialised Services

Take control of your EMPOWER card activities with a Self-Care Portal, tailor-made just for you. Get your card-related queries answered without any delay with 24*7 IVR support (Toll-free no. 1800-103-1006). Repay your bills anytime with multiple bill payment modes:

Instant Pay - Pay your credit card bill instantly through Net Banking

Self-service Portal

Pay through bill desk

NEFT/RTGS

Auto Debit

Electronic Payments

Cash/Cheque Payments deposits at BOB h.Net Banking

Scan & Pay - Pay your BoB credit card bill instantly & hassle-free

For the ones who desires a competitive edge

Made for Proprietors and Self-Employed segments, EMPOWER is your smart solution to manage all business expenses in an efficient maner.

Apply Now

Zero Joining Fee. Enjoy annual fee reversal on milestone spends

Additional Benefits of EMPOWER

Core Reward Points

Earn 0.5 Reward Point for every ₹100 spent on Select MCCs* Earn 1 Reward Point for every ₹100 spent on all other MCCs. All your accumulated reward points can be redeemed for cashback @1 reward point = ₹0.25

Fuel Surcharge Waiver

1% Fuel Surcharge waived off on all fuel transactions between ₹400-₹5000. (Maximum waiver of ₹250 per statement)**

Fee Waiver

Spend ₹50,000 in every anniversary year to get annual fee reversal

Smart EMI option

Convert purchases of > ₹2,500/- on your card into easy EMIs of 6 to 36 months.

*Refer reward points related important terms and conditions on MITC Section of the website.

**Reward Points are not earned on fuel transactions.

*Goods and Services Tax (GST) Applicable. ^Min. Loan Vintage should be 12 months from the date of sanction. There should not be any delinquency in the loan repayment summary for the last 12 months. The loan should be in the name of Individuals only. In the case of Joint applicants, card to be issued to the Applicant from whose account EMI is getting deducted. Loan should not be in the name of companies, or partnerships. Loan should be active at the time of sourcing of the credit card application. The sourced loan should have been disbursed.

*Refer reward points related important terms and conditions on MITC Section of the website.

**Reward Points are not earned on fuel transactions.

Application Guidelines

Understand just what you need, before you begin our easy and simple 3-step application process.

1

Eligibility Criteria

• Indian Resident

• Age: 21 to 65 years (Primary Cardholder)

• BOB/Non BOB Self-employed customers are eligible.

• BOB Customers : Self-Employed with Annual Income >= 2.4 L

• Non –BOB Customers : Self-Employed with Annual Income >= 4.8 L

2

Mandatory Proof

• Recent Passport size photograph (with clear / white background & without dark / tinted glass)
• PAN Card

3

Permanent Address Proof

• Aadhaar Card (both side)
• Voter ID Card issued by election commission of India
• Passport
• Driving Licence
• Job Card issued by NREGA duly signed by an officer of the State Government
• Letter issued by the National Population Register containing details of the name & address
• If Present address is different from Permanent Address, Click Here

4

Income Proof

• GSTIN Registration details, and
• Latest GST returns, or
• Business Loan >=2 L ; Sanction letter on Bank's letterhead duly signed by bank official with branch stamp and seal (detailed guidelines on loan covered under “Sales Checklist” section)