BOB Empower Business RUPAY Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹250
₹0
3.5%
No lounge access
Contents
BOB Empower Business RuPay is a focused business card for proprietors and self-employed users. It offers simple reward earning on everyday spends, milestone fee reversals and business-friendly features such as add-on cards and expense management. Ideal for small-business owners who want straightforward rewards and cost control.
Features of BOB Empower Business RUPAY Credit Card which makes it unique
Business Expense Management
Tools and reporting to track business spends
Simplified bookkeeping
Designed for proprietors/self-employed
Milestone Fee Reversal
Annual fee reversed on meeting spends
Keeps ownership cost low for active businesses
Competitive for small-business cards
Rewards Structure of BOB Empower Business RUPAY Credit Card
Dining
acceleratedSelected restaurants and dining merchants
Base
baseAll merchant's
Milestones of BOB Empower Business RUPAY Credit Card
Quarterly Milestone
₹50,000 : Annual fee reversal (if criteria met)
Annual Milestone
₹2,00,000 : Additional reward/partner benefit (subject to T&Cs)
Fees & Charges of BOB Empower Business RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹250 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee reversed/waived on ₹50,000 annual spend.
Fee Explanation Standard Bank of Baroda rates apply for overdue amounts and cash advances; see product T&Cs for GST and exact computations.
Detailed Explanation of BOB Empower Business RUPAY Credit Card Fees
Annual Fee: 250 (yearly)
Waived on ₹50,000 annual spend
Cash Advance Fee: 2.5% (transaction)
min ₹300
Lounge Access Benefits with BOB Empower Business RUPAY Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Domestic lounge access depends on qualification criteria
Insurance Coverage with BOB Empower Business RUPAY Credit Card
Purchase protection
₹50,000Within 90 days of purchase; subject to claim T&Cs
Additional Features of BOB Empower Business RUPAY Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards for employees
Subject to bank approval
Welcome Bonus with BOB Empower Business RUPAY Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Valid for new customers only; points credited after qualifying spend.
Application Process for BOB Empower Business RUPAY Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Bank of Baroda / BOBCARD portal or authorised partners
Upload KYC and business documents
Receive verification call and complete KYC
Card dispatched within 5-7 business days after approval
Required Documents for BOB Empower Business RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self-employedAccepted documents:
BOB Empower Business RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (RuPay domestic network)
International Acceptance
Limited; RuPay acceptance internationally varies by merchant/region
Online Acceptance
Yes (select merchants and payment gateways)
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Empower Business RUPAY Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar; GST/ business documents may be required for proprietors/self-employed applicants.
How Approval Is Decided
- Minimum age 21 years
- Indian resident
- Minimum income and business documents for proprietors/self-employed
- Credit score above 700 (approx.)
Pros of BOB Empower Business RUPAY Credit Card
- Business-focused eligibility and features
- Low joining fee (nil) and low annual fee
- Clear fee waiver milestone at ₹50K
Cons of BOB Empower Business RUPAY Credit Card
- Modest reward rates compared with premium travel cards
- Limited international benefits on RuPay network
- T&Cs apply for partner benefits and transfers
Frequently Asked Questions about BOB Empower Business RUPAY Credit Card
Is there a joining fee?
No, joining fee is nil for the Empower Business card.
What are the annual fee waiver conditions?
Spend ₹50,000 in the previous year to get the annual fee reversed.
How do I earn the welcome bonus?
Earn 500 reward points on a minimum ₹5,000 spend within 60 days of card activation.
What is the foreign transaction (forex) fee?
Standard BoB forex markup applies (typically ~3.5% of the transaction; GST extra).
Which documents are required to apply?
PAN, Aadhaar, proof of business/GST (for proprietors/self-employed) and income documents as applicable.
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