BOB Corporate RuPay Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹1,000
₹0
Free
8 visits/yr
Contents
BOB Corporate RuPay Credit Card is designed for Indian businesses that need smooth, cashless expense management and stable working capital support. It offers up to 50 days of interest-free credit to manage vendor payments, travel spends and everyday business purchases more efficiently. Corporates get consolidated, categorised employee statements to simplify reconciliation and expense tracking. With 8 complimentary domestic airport lounge visits a year and 24x7 customer support, it balances strong business utility with meaningful employee perks.
Features of BOB Corporate RuPay Credit Card which makes it unique
Corporate Expense Control
Card is issued to employees but controlled centrally by the corporate with clear limits and reporting.
Better governance of travel, entertainment and operational spends.
Purpose-built for corporate and partnership firms instead of individual retail use.
RuPay & UPI Compatibility
RuPay variant can be linked to UPI apps so authorised users can pay using their corporate credit limit via UPI.
Smooth, card-on-UPI payments at QR merchants without swiping the physical card.
Leverages RuPay credit card on UPI for modern, cashless business payments.
Rewards Structure of BOB Corporate RuPay Credit Card
All Other Spends
baseAll eligible merchant categories except fuel and excluded MCCs, as per BOBCARD Reward Points terms.
Reward points can be redeemed as cashback at ₹0.25 per reward point; no reward points on fuel and select MCCs.
Fees & Charges of BOB Corporate RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee of ₹1,000 plus applicable taxes is charged every year as per BOBCARD policy.
Fee Explanation Zero joining fee and annual fee of ₹1,000 plus taxes. Other finance charges, cash advance, overlimit, late payment and international transaction fees are levied as per the latest BOBCARD Most Important Terms & Conditions (MITC) and Schedule of Charges. Always refer to the official BOBCARD website for updated fees.
Detailed Explanation of BOB Corporate RuPay Credit Card Fees
Annual Fee: 1000 (yearly)
Zero joining fee; annual fee of ₹1,000 plus applicable taxes is charged from year one.
Fuel Surcharge Waiver: 1% (per transaction)
1% fuel surcharge waived on fuel transactions between ₹400–₹5,000, up to ₹250 per statement; GST component is not reversed.
Lounge Access Benefits with BOB Corporate RuPay Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
8 complimentary domestic airport lounge visits per primary card per year, capped at 2 visits per quarter. Effective 1 Jan 2025, complimentary access each quarter is subject to minimum spends of ₹20,000 in the preceding calendar quarter, as per BOBCARD lounge terms.
Insurance Coverage with BOB Corporate RuPay Credit Card
Lost Card Liability Protection
As per BOBCARD policyZero liability on fraudulent transactions after loss is reported to BOBCARD customer care through official channels.
Additional Features of BOB Corporate RuPay Credit Card
Self-Care Portal
Dedicated self-service portal for employees to monitor card usage, download statements and manage basic card controls.
Categorised Corporate Statements
Corporates receive detailed, categorised employee expense statements for easier reconciliation and budgeting.
Interest-free Credit Period
Up to 50 days interest-free credit to support smoother cash flow for business payments.
Subject to full and timely repayment of statement dues as per BOBCARD terms.
Same-day Billing & E-statements
Same-day billing on all BOBCARD credit cards with personalised e-statements sent to registered email IDs.
Multiple Bill Payment Modes
Pay credit card bills via BOBCARD portal, Instant Pay, bank branch and other supported channels.
Welcome Bonus with BOB Corporate RuPay Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Earn 500 reward points on spends of ₹5,000 within 60 days of card issuance.
Application Process for BOB Corporate RuPay Credit Card
Processing Time
Subject to BOBCARD’s corporate onboarding and documentation timelines.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Corporate initiates interest via BOBCARD customer support or nearest Bank of Baroda branch.
Fill in the BOBCARD Corporate Credit Card application form with company and authorised cardholder details.
Submit KYC documents, corporate registration documents and income proofs as requested.
BOBCARD evaluates the corporate profile, credit behaviour and documentation.
On approval, corporate credit limit is set, cards are personalised and dispatched to the registered address.
Required Documents for BOB Corporate RuPay Credit Card
ID Proof
primary_and_addonAccepted documents:
Address Proof
primary_and_addonAccepted documents:
Income Proof
corporateAccepted documents:
Company Documents
corporateAccepted documents:
BOB Corporate RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across RuPay-enabled POS terminals and online payment gateways in India.
International Acceptance
Acceptance at overseas merchants and ATMs where RuPay or its international partner networks are supported.
Online Acceptance
Supported on most major Indian e-commerce and bill payment platforms that accept RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Corporate RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Available to Indian corporates, partnership firms and start-ups that maintain a banking relationship with Bank of Baroda and meet BOBCARD’s internal credit and documentation policies.
How Approval Is Decided
- Applicant must be a registered corporate, partnership firm or eligible start-up with a valid business presence in India.
- Corporate or banking relationship with Bank of Baroda as per BOBCARD requirements.
- Satisfactory credit profile and financials based on BOBCARD’s internal underwriting policies.
- Complete submission of KYC, address proof and income documents for the corporate and authorised signatories.
Pros of BOB Corporate RuPay Credit Card
- Zero joining fee with a straightforward annual fee structure.
- Designed specifically for corporates, partnership firms and start-ups.
- Reward points on everyday business spends with cashback redemption.
- Complimentary domestic airport lounge access for business travellers.
- Strong support ecosystem with 24x7 IVR and multiple payment channels.
Cons of BOB Corporate RuPay Credit Card
- Card is not meant for personal retail use; restricted to business entities.
- No accelerated reward categories beyond base rewards on general spends.
- Lounge access is domestic only and subject to quarterly minimum spend conditions.
- Detailed tariff for certain fees must be checked separately in the MITC document.
Frequently Asked Questions about BOB Corporate RuPay Credit Card
What is the BOB Corporate RuPay Credit Card and who is it for?
The BOB Corporate RuPay Credit Card is a commercial BOBCARD designed for corporates, partnership firms and start-ups to manage business expenses with up to 50 days interest-free credit, reward points and travel benefits.
How many complimentary airport lounge visits are available on this card?
The card offers 8 complimentary domestic airport lounge visits per year for the primary cardholder, limited to 2 visits per quarter and subject to quarterly minimum spend conditions as per BOBCARD policy.
What rewards do I earn on the BOB Corporate RuPay Credit Card?
You earn 1 reward point for every ₹100 spent on eligible non-fuel categories, and your accumulated points can be redeemed as cashback at ₹0.25 per point, subject to BOBCARD reward terms.
How can I apply for the BOB Corporate RuPay Credit Card?
To apply, your organisation can contact the BOBCARD customer support team or visit a Bank of Baroda branch. The corporate must complete the application form, submit KYC and income documents and meet BOBCARD’s internal eligibility norms.
What are the key eligibility criteria for this corporate credit card?
The primary cardholder should generally be an Indian resident aged 21–60 years, with add-on cardholders aged 18 or above, and the corporate must hold specified banking relationships and meet BOBCARD’s documentation and credit assessment requirements.
Does the card offer a fuel surcharge waiver?
Yes, the card offers a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, up to ₹250 per statement, although no reward points are earned on fuel spends.
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