BOBCARD
BOBCARD Empower
Empower by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees & welcome
Joining fee
Confirm on the official page
Annual / renewal fee
Confirm on the official page
Fee waiver
Spend ₹50,000 in every anniversary year to get annual fee reversal.
Verified · Empower product page · 2026-08-02 · source
Earn rates
- 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.
Verified · Empower product page · 2026-08-02 · source
Fees & charges
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).
Verified · harvested from product page · 2026-08-02 · source
Fuel
Fuel surcharge waiver
1% Fuel Surcharge waived off on all fuel transactions between ₹400 and ₹5000 (maximum waiver of ₹250 per statement).
Verified · Empower product page · 2026-08-02 · source
Rewards
Redemption value
All accumulated reward points can be redeemed for cashback at 1 reward point = ₹0.25.
Verified · Empower product page · 2026-08-02 · source
Reward cap
5X Reward Points on Utility (MCC 4900) capped at a maximum of 1000 reward points per statement cycle.
Verified · Empower product page · 2026-08-02 · source
Travel & lifestyle
Travel benefit
Convert purchases of more than ₹2,500 on your card into easy EMIs of 6 to 48 months (Smart EMI Facility).
Verified · Empower product page · 2026-08-02 · source
Eligibility
Eligibility
Made for Proprietors and Self-Employed segments.
Verified · Empower product page · 2026-08-02 · source
Official sources
Verified 2026-08-02 · 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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