What is the reward rate on the BOBCARD EMPOWER?

You earn 1 point per ₹100 on all other MCCs. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 100 points, roughly ₹25, which is about 0.25% back. Fuel, select MCCs earn nothing at all.

Which spends do not earn rewards on the BOBCARD EMPOWER?

Fuel, select MCCs earn nothing on this card. Reward program is not applicable on select MCCs and Fuel. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

What changed on the BOBCARD EMPOWER recently and is it still worth it in 2026?

gained accelerated 5 RP/₹100 utility (capped 1,000/cycle) but accidental death cover being removed. The changes are dated Apr 2026. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

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Card Details

5540 5615 1430 3281

BOBCARD EMPOWER

BANKVISA

Card Issuer

Bank of Baroda

Joining Fee

Zero

Annual Fee

₹500

Reward Type

—

Card Access

Standard

Offers from Bank of Baroda

See all

Earn Points

5pts

/₹100 on Groceries

1pt

/₹100 on All Other Spends

5pts

/₹100 Spent

Benefits

Dining

5 Pts/₹100 Spent

Fuel

1% Fuel Surcharge Waiver

Shopping

5 Pts/₹100 on Utility Payments

Groceries

5 Pts/₹100

Insurance

Accidental Death Insurance

Concierge

24/7 Ivr Support

What Users Are Saying

Community Feed

Jun 2026

BOBCARD EMPOWERPOSITIVE

“Is the BOB Cashback Card underrated?”

by r/CreditCardsIndia, Jun 2026

BOBCARD EMPOWERNEUTRAL

“Is there an endgame to credit card optimization”

by r/CreditCardsIndia, Feb 2026

BOBCARD EMPOWERNEUTRAL

“FINAL CALL: Grab these Paid Credit Cards = BOB Eterna”

by r/Raw_n_real_finance, Apr 2026

BOBCARD EMPOWERNEGATIVE

“First name Last name issue in PAN card without messing”

by r/india, Sep 2025

BOBCARD EMPOWERNEGATIVE

“Junao_game Scam”

by r/G2A_Help, Apr 2026

Frequently Asked Questions

The BOBCARD EMPOWER is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Bank of Baroda prices some variants differently.

Things to Keep in Mind

The 'unlimited cashback' claim is limited by the fact that reward points are not earned on fuel and select MCCs.

The 1% fuel surcharge waiver is applicable only on transactions between ₹400-₹5000 and is limited at a maximum of ₹250 per statement.

←

Card Details

5540 5615 1430 3281

BOBCARD EMPOWER

BANKVISA

Card Issuer

Bank of Baroda

Joining Fee

Zero

Annual Fee

₹500

Reward Type

—

Card Access

Standard

Offers from Bank of Baroda

See all

Earn Points

5pts

/₹100 on Groceries

1pt

/₹100 on All Other Spends

5pts

/₹100 Spent

Benefits

Dining

5 Pts/₹100 Spent

Fuel

1% Fuel Surcharge Waiver

Shopping

5 Pts/₹100 on Utility Payments

Groceries

5 Pts/₹100

Insurance

Accidental Death Insurance

Concierge

24/7 Ivr Support

What Users Are Saying

Community Feed

Jun 2026

BOBCARD EMPOWERPOSITIVE

“Is the BOB Cashback Card underrated?”

by r/CreditCardsIndia, Jun 2026

BOBCARD EMPOWERNEUTRAL

“Is there an endgame to credit card optimization”

by r/CreditCardsIndia, Feb 2026

BOBCARD EMPOWERNEUTRAL

“FINAL CALL: Grab these Paid Credit Cards = BOB Eterna”

by r/Raw_n_real_finance, Apr 2026

BOBCARD EMPOWERNEGATIVE

“First name Last name issue in PAN card without messing”

by r/india, Sep 2025

BOBCARD EMPOWERNEGATIVE

“Junao_game Scam”

by r/G2A_Help, Apr 2026

Frequently Asked Questions

Things to Keep in Mind

The 'unlimited cashback' claim is limited by the fact that reward points are not earned on fuel and select MCCs.

The 1% fuel surcharge waiver is applicable only on transactions between ₹400-₹5000 and is limited at a maximum of ₹250 per statement.

←

Card Details

5540 5615 1430 3281

BOBCARD EMPOWER

BANKVISA

Card Issuer

Bank of Baroda

Joining Fee

Zero

Annual Fee

₹500

Reward Type

—

Card Access

Standard

Offers from Bank of Baroda

See all

Earn Points

5pts

/₹100 on Groceries

1pt

/₹100 on All Other Spends

5pts

/₹100 Spent

Benefits

Dining

5 Pts/₹100 Spent

Fuel

1% Fuel Surcharge Waiver

Shopping

5 Pts/₹100 on Utility Payments

Groceries

5 Pts/₹100

Insurance

Accidental Death Insurance

Concierge

24/7 Ivr Support

What Users Are Saying

Community Feed

Jun 2026

BOBCARD EMPOWERPOSITIVE

“Is the BOB Cashback Card underrated?”

by r/CreditCardsIndia, Jun 2026

BOBCARD EMPOWERNEUTRAL

“Is there an endgame to credit card optimization”

by r/CreditCardsIndia, Feb 2026

BOBCARD EMPOWERNEUTRAL

“FINAL CALL: Grab these Paid Credit Cards = BOB Eterna”

by r/Raw_n_real_finance, Apr 2026

BOBCARD EMPOWERNEGATIVE

“First name Last name issue in PAN card without messing”

by r/india, Sep 2025

BOBCARD EMPOWERNEGATIVE

“Junao_game Scam”

by r/G2A_Help, Apr 2026

Frequently Asked Questions

Things to Keep in Mind

The 'unlimited cashback' claim is limited by the fact that reward points are not earned on fuel and select MCCs.

The 1% fuel surcharge waiver is applicable only on transactions between ₹400-₹5000 and is limited at a maximum of ₹250 per statement.