BOBCARD Micro Enterprise
Developed under Government of India financial inclusion directives, this credit product brings grassroots artisans, shopkeepers, and micro-vendors into the formal banking system. Backed by RuPay for UPI payments, it provides subsidized short-term liquidity for raw material and inventory restocking.
Why We Recommend The BOBCARD Micro Enterprise
A financial inclusion instrument bridging working capital gaps for grassroots micro-enterprises.
Micro-entrepreneurs and Udyam-registered vendors needing formal credit for daily inventory.
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 Micro Enterprise?
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 Micro Enterprise
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 Micro Enterprise
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 Micro Enterprise Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Launched under Government of India initiatives to support micro-entrepreneurs.
RuPay enabled for merchant UPI QR code scan-and-pay transactions.
1% fuel surcharge waiver for small logistics and delivery vehicles.
Pros & Cons of the BOBCARD Micro Enterprise
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Brings informal micro-enterprises and artisans into the formal credit fold.
- Convenient UPI integration for local wholesale purchases.
- Negligible fee structure aligned with financial inclusion targets.
Things to Consider (Cons)
- Strictly low credit limits suited only for micro working capital.
- No airport lounge, entertainment, or lifestyle perks.
- Requires Udyam registration or rural trade documentation.
Who Can Apply for the BOBCARD Micro Enterprise?
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
650+ Score Recommended
Applicants with a credit score of 650 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 Micro Enterprise
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD Micro Enterprise?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.