BOBCARD Empower Business
Designed for small business owners, traders, and sole proprietors, the BOBCARD Empower Business card optimizes operational liquidity. Operating on RuPay for UPI vendor payments, it accelerates rewards on office utilities and supplies while providing up to 50 days of interest-free credit.
Why We Recommend The BOBCARD Empower Business
An accessible commercial credit line that gives small enterprises flexible working capital and UPI utility.
Small shop owners and sole proprietors managing short-term supply and utility expenses.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Empower Business?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Empower Business
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Empower Business
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Empower Business Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
RuPay enabled for merchant vendor payments via UPI QR codes.
Simplified monthly statement MIS reports for business tax reporting.
Dedicated fuel surcharge waiver up to ₹250 monthly on logistics movement.
Pros & Cons of the BOBCARD Empower Business
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Accessible credit facility for small shop owners, traders, and individual proprietors.
- UPI capability simplifies payments to local suppliers and vendors.
- Low annual fee and straightforward spend-waiver condition.
Things to Consider (Cons)
- No airport lounge access for traveling business owners.
- Base reward accumulation is low.
- Requires GST registration or shop establishment certificates.
Who Can Apply for the BOBCARD Empower Business?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Empower Business
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD Empower Business?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.