BoB EMPOWER Credit Card: Features & Benefits

Summary

Those who regularly pay for electricity, groceries, and gasoline should most certainly give the BoB EMPower Credit Card some thought. Including five times reward points on certain categories allows consumers to earn more on consistent expenses. Every ₹100 spent on all other expenses earns one reward point. Spending ₹10,000 within the first 60 days of card activation also entitles cardholders to 1000 extra reward points. 

One of its key benefits is the 1% fuel price remission on purchases between ₹400 and ₹5,000 at any Indian petrol station.  For those who drive routinely, this is quite helpful.  Turning purchases beyond ₹2,500 into EMIs also helps to reduce major expenses.

With this card, the primary concerns are security and convenience.  Assuring safe transactions, it is EMV chip-enabled and offers contactless payments, therefore enabling users to only tap and pay without swiping or entering their PIN for minor transactions.  Additionally valued by users is an interest-free period of up to 50 days, which gives them flexibility in payment handling.

Introduction

Bank of Baroda (BOB) has launched a specially designed “Bank of Baroda Empower Credit Card” for its customers. This Card is a great option for those who want to save on their daily expenses and also want to get many benefits. Bank of Baroda’s empowered credit card is specially designed, keeping in mind the needs of those customers who prefer cashless transactions in everyday life.

Through Bank of Baroda’s empowered credit card, not only can you save on expenses like shopping, travel, and bill payments, but you also get reward points, which you can redeem in different forms. Along with this, many great offers and cashback are also available on the Bank of Baroda Empower credit card, which can help lighten your financial burden.

With a credit card, you also get facilities like fuel surcharge waivers, movie ticket offers, and dining discounts, which make your expenses even more fun. The cardholder gets special reward points, which can be converted into recharge, shopping, and other services. Apart from this, you also get an interest-free credit period in Bank of Baroda’s Empower credit card so that you can repay your dues on time without any additional charges.

In today’s article, we will discuss in detail the Bank of Baroda Empower Credit Card. In this article, we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the Bank of Baroda Empower Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problem later.

What is the BOB EMPOWER Credit Card?

Designed to give customers benefits on their daily spending, Bank of Baroda (BOB) presents a special credit card. Using Bank of Baroda’s empowered credit card, you can accrue reward points on shopping, travel, gasoline, and other transactions, subsequently redeemable for cashback or other services.

In addition, Bank of Baroda’s empowered credit card gives numerous fantastic deals, discounts, and services like a waiver of gasoline surcharge. For individuals who wish to maximize cashless transactions and also save on their expenses, Bank of Baroda advises credit cards as an ideal option.

What is the design of the BOB EMPOWER Credit Card?

Designed sleek and modern, the BOB EMPOWER Credit Card boasts a fashionable color mix with the Bank of Baroda (BOB) emblem on top. The card is EMV chip-enabled, therefore improving transaction security. 

On the front, the card number, cardholder’s name, and expiration date are neatly printed; on the back, for extra protection, is the CVV and magnetic stripe. The card is meant generally for simplicity, security, and convenience.

What are the benefits of the BOB EMPOWER Credit Card?

Its most interesting advantages are:

1. Cashback and reward points.

• Five times reward points for utilities, petrol, and food.

• One point of reward for every ₹100 spent in other categories.

• Inside the first sixty days, spending ₹10,000 gets 1000 Bonus Reward Points.

2. Fuel Surcharge Waiver

• For purchases between ₹400 and ₹5,000, a 1% fuel surcharge waiver is applied at all petrol stations across India.

3. Simple EMI Choice

• Create simple EMIs from purchases of more than ₹ 2,500 for flexible payments.

4. Safe & Contactless Transactions

• EMV chip is driven for improved security.

• For quick, contactless purchases, tap and pay.

5. Interest-Free Period

• Experience up to fifty days of financing free from interest.

What are the BOB EMPOWER Credit Card fees?

Here is a simple BOB EMPOWER Credit Card fee breakup.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend ₹1,50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3. there is a 5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BOB EMPOWER Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the BOB EMPOWER Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2,00,000 is usually the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a BOB EMPOWER Credit Card?

The documents that you will have to submit to Getana BOB EMPOWER Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BOB EMPOWER Credit Card be used?

Here is the list of places where you can use it:

• With the BOB EMPOWER Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your BOB EMPOWER Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BOB EMPOWER Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BOB EMPOWER Credit Card?

The credit amount you can spend is what you are provided with a BOB EMPOWER Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a BOB EMPOWER Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the BOB EMPOWER Credit Card.

• Just hover your cursor on the BOB EMPOWER Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the BOB EMPOWER Credit Card.

• Request for the credit card application form for the BOB EMPOWER Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the BOB EMPOWER Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a BOB EMPOWER Credit Card in 2025 be right?

Yes, getting a BOB EMPOWER Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

All things considered, the Bank of Baroda empowered Credit Card can be a terrific choice for people who wish to control their spending and enjoy several great advantages. The Bank of Baroda Empower Credit Card not only lets you earn reward points on regular shopping, travel, gasoline expenses, and bill payments but also provides excellent deals and discounts, thereby improving your savings.

For daily requirements, the fuel price waiver, cinema ticket specials, food discounts, and other Bank of Baroda incentives make the Credit Card quite handy. Apart from this, it is unique since the cardholder can redeem reward points on other services. Along with your financial demands, the Bank of Baroda’s Credit Card encourages sensible and reasonable expenditure patterns.

Furthermore, the digital payment options and interest-free credit period are safe and practical. Given 24×7 customer care, your questions will be answered right away. Bank of Baroda’s empowered credit card is the perfect solution for you if you wish to make your financial life more ordered and profitable.

Frequently Asked Questions (FAQs)