BOBCARD Empower
BOBCARD
Annual / renewal fee
- ₹500.
- Fee waiver: ₹50,000 in anniversary year.
VerifiedEmpower — governing document (side-door search)17 Aug 2026, 9:37 PM ISTBOBCARD
Earn rate
- Earn 1 Reward Point for every ₹100 spent on all other MCCs.
- Earn 5X Reward Points i.e. 5 Reward Points for every ₹100 spent on Utility (MCC 4900), subject to maximum of 1000 reward points per statement cycle.
VerifiedEmpower product page3 Aug 2026, 2:50 AM ISTBOBCARD
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Empower by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
NIL.
VerifiedEmpower — governing document (side-door search)17 Aug 2026, 9:37 PM ISTBOBCARD
Annual / renewal fee
- ₹500.
- Fee waiver: ₹50,000 in anniversary year.
VerifiedEmpower — governing document (side-door search)17 Aug 2026, 9:37 PM ISTBOBCARD
Fee waiver
Spend ₹50,000 in every anniversary year to get annual fee reversal.
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Rewards
- Earn 1 Reward Point for every ₹100 spent on all other MCCs.
- Earn 5X Reward Points i.e. 5 Reward Points for every ₹100 spent on Utility (MCC 4900), subject to maximum of 1000 reward points per statement cycle.
VerifiedEmpower product page3 Aug 2026, 2:50 AM IST
Redemption value
All accumulated reward points can be redeemed for cashback at 1 reward point = ₹0.25.
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Reward cap
5X Reward Points on Utility (MCC 4900) capped at a maximum of 1000 reward points per statement cycle.
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Reward exclusion
- Reward program is not applicable on select MCCs and Fuel.
- No Reward Points are earned on fuel transactions.
VerifiedEmpower — official product page17 Aug 2026, 9:37 PM ISTBOBCARD
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
Convert purchases of more than ₹2,500 on your card into easy EMIs of 6 to 48 months (Smart EMI Facility).
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Earn 500 Reward Points on spend of ₹5,000 within 60 days of card issuance.
VerifiedEmpower — official product page17 Aug 2026, 9:37 PM ISTBOBCARD
Insurance
- Insurance covers only Accidental Death of the primary cardholder.
- Available from day of card issuance to primary cardholders only.
- Natural death is not covered.
VerifiedEmpower (fleet document) — governing document (side-door search)17 Aug 2026, 9:37 PM ISTBOBCARD
Eligibility
Eligibility
Made for Proprietors and Self-Employed segments.
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Charges & interest
Forex markup
3.5% of transaction amount (All other credit cards).
VerifiedEmpower — governing document (side-door search)17 Aug 2026, 9:37 PM ISTBOBCARD
Charge
- Contactless: No PIN required for a single transaction of less than ₹5000.
- For transactions more than ₹5000 the credit card PIN must be entered (contactless payment limit maximum ₹5000 per single transaction in India, common for all customers, cannot be set individually).
Verifiedharvested from product page17 Aug 2026, 9:37 PM ISTBOBCARD
Fuel surcharge waiver
1% Fuel Surcharge waived off on all fuel transactions between ₹400 and ₹5000 (maximum waiver of ₹250 per statement).
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Interest-free period
20 to 50 days in case there is no previous outstanding.
VerifiedEmpower — governing document (side-door search)17 Aug 2026, 9:37 PM ISTBOBCARD
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Empower?
Officially traced: Rs. 500.
Empower — governing document (side-door search)What is the joining fee on the Empower?
Officially traced: NIL.
Empower — governing document (side-door search)Is the Empower annual fee ever waived?
Spend Rs. 50,000 in every anniversary year to get annual fee reversal.
Empower product pageHow does the Empower earn rewards?
Earn 1 Reward Point for every Rs. 100 spent on all other MCCs.
Empower product pageWhat are the transfer ratios for Empower points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.bobcard.co.in/credit-card-types/empower.
VerifiedEmpower product page17 Aug 2026, 9:37 PM ISTBOBCARD
Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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