Bank of Baroda EMPOWER Credit Card

The Bottom Line

Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	0.2%	0.2%	0.3%	0.2%	0.3%
Est. Monthly Reward (₹)	10	20	50	120	250
All-India Rewards Rank*	134	193	259	326	338
Within Bank Rank*	15	16	20	21	20
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The Bank of Baroda Empower Credit Card gives 0.25% effective reward on all spending with no monthly or annual caps.

Overall, we estimate you can earn a net reward yield of 0.2-0.3% on all spending with this card in a month.

The Snapdeal BoB Credit Card is the best card for most Bank of Baroda Card customers. It gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.

We estimate this card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Bank of Baroda EMPOWER Business Credit Card
Card Type	Reward
Reward Features	1 Reward Points / ₹100 on all spends
Milestone Rewards	Nil
Other Rewards	Nil
Rewards Redemption Fee	Nil
Reward Caps	Unlimited
Preferred Redemption Method	Cashback against statement balance 1RP = ₹0.25

Fees & Charges

Card		Bank of Baroda EMPOWER Business Credit Card
Joining Fee		Nil
Annual Fee		₹500 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹50,000
Income Criteria	Salaried	₹2.4 Lacs
Income Criteria	Self-employed	₹4.8 Lacs
Supplementary Card Fee		Free
Interest Rate		41.88%
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹300