BOBCARD · Scored card guide

BOBCARD Empower

0.25% cashback-equivalent points on eligible spend. Category and merchant-code eligibility must be checked against your actual transactions.

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Where it pays

One reward point per eligible ₹100, redeemable as statement cashback at ₹0.25 per point. No accelerated categories are counted. Fuel and select merchant category codes earn no points. Zero joining fee; ₹500 renewal fee waived after ₹50,000 anniversary-year spend. Designed for proprietors and self-employed users; access is not assured.

Modeled annual cost: ₹500 plus estimated 18% GST. Renewal fee waiver at ₹50,000 qualifying anniversary-year spend.

Issuer source

https://www.bobcard.co.in/credit-card-types/empower

Checked 27 Sep 2026. One spend category repeated monthly; no welcome offers, statement credits outside ordinary earn, or spend from other categories assumed. Confirm current terms with the issuer before applying.

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