Question 1

What is the annual fee on the BOBCARD EMPOWER and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the BOBCARD EMPOWER?

Accepted Answer

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.

Question 3

Which spends do not earn rewards on the BOBCARD EMPOWER?

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

Card Details

BOBCARD EMPOWER

Earn Points

Benefits

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Frequently Asked Questions

Things to Keep in Mind