BOBCARD Micro Enterprise Credit Card

• Manage daily business expenses with easy access to credit.
• Improve business cash flow with flexible repayment options.
• Earn Reward Points on eligible business purchases.
• Enjoy an interest-free credit period on eligible transactions.
• Benefit from a transparent fee structure with no hidden charges.

Eligibility Criteria for BOBCARD Micro Enterprise Credit Card

Applicants must meet the following eligibility requirements:

Documents Required

Applicants generally need to submit the following documents:

Identity Proof

• PAN Card
• Aadhaar Card

Address Proof

• Recent Utility Bill or Bank Statement

Business Proof

• Business Registration Documents
• GST Registration Certificate (if applicable)

Income Proof

• Last 6 Months' Bank Statements
• Income Tax Return (ITR) or business income documents

Fees and Charges

BOBCARD Micro Enterprise Credit Card Rewards Programme

Earn rewards on your business spending.

• 1 Reward Point for every Rs.100 spent on eligible purchases.

Reward Redemption Options

Redeem your Reward Points in multiple ways.

• Cashback Redemption: Rs.0.25 per Reward Point
• Pay with Rewards: Rs.0.15 per Reward Point
• Statement Credit: Redeem Reward Points against your outstanding card balance.
• Flexible Redemption: No minimum Reward Point redemption threshold.

Reward Exclusions

Reward Points are not applicable on:

• Select merchant category codes (MCCs)
• Fuel transactions
• Government payments
• Certain utility bill payments

How to Apply for BOBCARD Micro Enterprise Credit Card

Follow these steps to apply online:

1. Visit the BOBCARD website and complete the online application form.
2. Upload the required documents, including PAN Card, Aadhaar Card, and business proof.
3. Bank of Baroda will verify your application and documents.
4. The approval status is generally communicated within 5–7 working days.

Advantages of BOBCARD Micro Enterprise Credit Card

The card offers several benefits for micro entrepreneurs and small business owners.

• Government-Backed Initiative designed for micro entrepreneurs.
• Lower Interest Rate of 18% p.a., which is lower than many business credit cards.
• Affordable Joining and Annual Fees with an easy annual fee waiver condition.
• Fuel Savings through the fuel surcharge waiver.
• Flexible Reward Redemption options.
• Transparent Pricing with no hidden charges.
• Easy Card Management through the BOBCARD App.
• Quick Approval Process for eligible applicants.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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