BOBCARD EMPOWER
BOBCARD (Bank of Baroda) · Open to apply
A business card for proprietors and the self-employed: ₹500 annual fee waived at ₹50,000 spend, 1 point per ₹100 and, since 1 Apr 2026, 5 points per ₹100 on utility bills up to 1,000 points a statement.
- Annual fee
- ₹500 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 1 point per ₹100 on other spends: 1 BOBCARD Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Extra 10 points per ₹100 on hotels booked on BOBCARD SmartDeal: 10 BOBCARD Reward Points per ₹100 on top of the base rate (about 2.5% at cash value)
- 5 points per ₹100 on utilities (MCC 4900): 5 BOBCARD Reward Points per ₹100 (about 1.25% at cash value)
- Extra 4 points per ₹100 on flights booked on BOBCARD SmartDeal: 4 BOBCARD Reward Points per ₹100 on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on fuel (MCCs 5172, 5541, 5542, 5983)
- No points on rent (MCC 6513)
- No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No points on wallet loads (MCCs 6539 to 6543)
- No points on insurance (MCCs 5960, 6300)
- No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
- No points on toll and road fees (MCC 4784)
- No points on railway bookings (MCC 4112)
- No points on fast food (MCC 5814), taken to include Swiggy and Zomato
Where the sources disagree
- Accelerated points on Empower: The 1 Apr 2026 notice and the product page give 5X on utilities; the 2 Nov 2026 features T&C and the Oct 2026 MITC still say accelerated points are not available on Empower, and the MITC also says utility transactions (MCC 4900) are not eligible for accelerated points. We enter the notice's change, which names Empower and MCC 4900 and which the page repeats.
Terms the calculator does not value
- Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
- Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.
Sources
- BOBCARD Empower product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)