Monepoint
Fuel

Bank of Baroda

BOBCARD Micro Enterprise Credit Card

A low-APR business card for JanSamarth-registered micro enterprises, applied for only through the government's own portal, with a genuinely disputed point value.

Joining fee
₹500
Annual fee
₹500
Status
Open
Verified
4 September 2026
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BOBCARD Micro Enterprise Credit Card

Fees

Joining fee
₹500
Annual fee
₹500
Fee waiver
Waived above ₹50,000 annual spend
Forex markup
3.5%
APR
18% p.a.
Monthly finance charge
1.5%

Rewards

reward points

  • everything-else: 1 points / ₹100Excludes select MCCs and fuel.

BOBCARD states two different redemption values for the same point depending on channel: ₹0.25 for cashback, ₹0.15 for the 'Pay with Rewards' checkout option — both are BOBCARD's own wording, not reconciled here.

Eligibility

Minimum age
21 years
Restricted to
Micro Enterprise registered on the Government of India's JanSamarth portal, holding a Udyam Registration Number and GST registration

Why this card may suit you

  • The annual fee is waived once you spend 50,000 in a year.
  • It is restricted to Micro Enterprise registered on the Government of India's JanSamarth portal, holding a Udyam Registration Number and GST registration.

Source & Verification

Verified from official issuer sources. Last verified 4 September 2026

View issuer page ↗

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Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge
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