BOB EMPOWER Credit Card

The following are the benefits of this business credit card, BOB EMPOWER credit card:

1. Offers interest-free credit for 50 days
2. Provides one reward point on every Rs.100 spent
3. Reward points can be redeemed for cashback of one reward point
4. Offers unlimited cashback with maximum capping on earning reward points
5. Fuel surcharge of 1.00% or maximum of Rs.250 on fuel transaction between Rs.400 to Rs.5,000
6. Purchase more than Rs.2,500 can be converted into EMI of six or 36 months

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Eligibility Criteria to Apply for BOB EMPOWER Credit Card

Customers must full fill the following eligibility criteria to avail themselves of BOB EMPOWER Credit Card:

1. BOB or non-BOB self-employed customers are eligible
2. Applicants should be of minimum 21 years and maximum 65 years of age
3. Self-employed BOB customers must have an annual income greater than or equal to Rs.2.4 lakh
4. Self-employed non-BOB customers must have an annual income greater than or equal to Rs.4.8 lakh

Documents Required to Apply for BOB EMPOWER Credit Card

Here is the list of essential documents required to apply for BOB EMPOWER credit card:

1. KYC documents
2. Proof of current address
3. Colour copy of recent passport sized photograph
4. Income documents such as GST returns
5. Registration details of GSTIN (GST Identification Number)
6. Sanction letter of business loan of greater than or equal to Rs.2 lakh

Note: Sanction letters should be duly signed by a bank official and must have a branch stamp and seal.

Fees and Charges Applicable for BOB EMPOWER Credit Card

The following are the applicable fees and charges levied on BOB EMPOWER credit card users are:

Fees or charges	Amount
Joining Fee	Nil
Annual fee	Rs.500
Annual fee waived	On spending more than Rs.50,000 in the preceding year

How to Apply for BOB EMPOWER Credit Card?

The following are the steps to apply for BOB EMPOWER credit cards:

1. Visit the official website of BOB Financial
2. Click on 'Apply Now' option under the EMPOWER Credit Card
3. Enter you name as mentioned in the PAN card
4. Enter the Aadhar-linked mobile number to receive OTP
5. Provide PAN card number, email address, current address PIN, date of birth and nationality
6. Click on 'Generate OTP' option
7. Provide the OTP received and complete the application and submit the form

Note: PAN card is a mandatory KYC document.

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FAQs on BOB EMPOWER Credit Card

• What is the minimum credit score to apply for a Bank of Baroda credit card?

  An individual must have a minimum credit score of 750 to get their Bank of Baroda credit card application approved. Any score above this is also considered good enough for applying for BOB credit card.

• Can I change Bank of Baroda credit card type?

  Yes, you can change the Bank of Baroda credit card type provided you match the eligibility criteria for the card type you selected.

• Is an add-on card facility offered with Bank of Baroda credit cards?

  Yes, add-on card facility is offered with many cards of the Bank of Baroda credit that provides same card limit and features as the original card.

• Can I check my Bank of Baroda credit card application status online?

  Yes, you can check your Bank of Baroda credit card application status online. Select 'Cards' option on the home page, click on 'Credit Card' category and click on 'Track your Application' option. Enter the reference application number and check the status, which will display either of the statuses, such as 'In Process', 'On Hold', 'Dispatched', or 'Rejected'.

• What should I do if my Bank of Baroda Credit Card is lost or damaged?

  If BOB credit card is lost or damaged, then inform the same at the nearest Bank of Baroda branch or call customer care. The bank will block the current card and a new card will be issued within the next seven days to the registered address. The bank also requires the submission of the copy of the FIR acknowledged by police.

• Can I get a Bank of Baroda Credit Card even if I am not a taxpayer?

  Yes, both individual non-taxpayers as well as corporates can apply for Bank of Baroda credit cards. Individuals need to provide a PAN card to apply for these cards. While income tax returns and Form 16 must be provided by professionals and self-employed individuals.

• Can a BOB credit card be issued to a person without any income?

  No, BOB credit cards cannot be issued to a person without any income as the income criteria is a vital requirement for applying for a BOB credit card.

• What is the cash limit in BoB credit card?

  The cash limit of the BOB credit cards is 40% of the total credit limit. Total credit limit is not the cash limit of the card is not the available cash limit.