BOBCARD
Bank of Baroda Empower Credit Card
Best for lifetime-free
Lifetime free
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
Not published
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
None
Eligibility
₹2 lakh/yr · CIBIL 650+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Fee-averse spender
What we like
- Lifetime free — no annual fee
Watch out for
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between Rs 400 and Rs 4,000 (max Rs 100/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.00 | — | 0.25 |
Benefits
-
Zero liability on lost card
Zero liability protection if card is reported lost within 24 hours
Eligibility
- Age
- 21–65 years
- Min. income
- ₹2,00,000
- Min. credit score
- 650+
- Employment
- Salaried, self-employed, student
- Documents
- BoB lifetime-free card (medium confidence)
Bank of Baroda Empower Credit Card is a VISA credit card from Bank of Baroda. It is best suited for lifetime-free.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 1 reward point per ₹100
Eligibility
BoB lifetime-free card (medium confidence)
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Bank of Baroda Empower Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
You may also like
Cards with similar benefits, rewards, or eligibility requirements.
