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Empower your aspirations for your business

with Bank of Baroda EMPOWER Business Credit Card

More than a card, you now have business empowerment at your disposal to help you set a competitive edge for your business, and create a significant impact in your life & around the world.
Designed exclusively for Proprietors and Self-Employed segment, Bank of Baroda EMPOWER Credit Card provides a simple solution to manage all business expenses. And in order to delight you while you put strenuous efforts, we have packaged your card with exclusive privileges and superior benefits.



Key Benefits


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

**Reward Points are not earned on fuel transactions.

apply now
for Bank of Baroda EMPOWER Business Credit Card


  • Eligibility Criteria

    Eligibility Criteria :


    BOB/Non BOB Self-employed customers are eligible

    Age of Individual Applicant should be min 21 Years and max 65 Years

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

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

  • Documents Required

    Documents Required

    Submit the following with application form:

    KYC (PAN) is mandatory

    Current Address Proof

    Recent passport size photograph (colour copy)

    GSTIN Registration details

    Income documents: Latest GST returns

    Business Loan >=2 L, Sanction letter on Bank's letterhead duly signed by a bank official with branch stamp and seal (detailed checklist guideline on loan covered in disclaimer section)*

  • Fees & Charges

    Fees & Charges:


    Please click here to see the fees and charges applicable on Bank of Baroda EMPOWER Business Credit Card

    Fees/Charges: Primary
    Joining Fee (levied in the first statement) NIL
    Annual Fee (subsequent years) ₹500
    Annual Fee Waiver Criteria On spends of > ₹50000 or more in a preceding year

Need assistance?
Call at 1800 225 100 (24*7) | Write to crm@bobfinancial.com for any support

*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.

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  • Important Information - BoB Credit Cards are currently being issued for the billing cycles of 1st, 7th, 16th, 18th or 25th of every month, as per BOBCARD Limited discretion. The cardholder has a one-time option to change the existing billing cycle as available. Cardholder may write to crm@bobfinancial.com or contact us at our Toll Free Nos. 1800 2665 100 & 1800 2667 100 for a change in the billing cycle. By applying for a credit card, I authorize BOBCARD & its representatives to call me or SMS me with reference to my request. This consent will override any regristration for DNC / NDNC. I also understand providing credit card is at the sole discretion of the Company.
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