BOB Pragati RuPay Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹250
₹0
3.5%
No lounge access
Contents
BOB Pragati RuPay Credit Card is a low-cost rewards credit card designed for customers of Bank of Baroda’s regional rural banks in Uttar Pradesh, Rajasthan and Gujarat. You earn 5X reward points on departmental stores and movie spends, plus a 1% fuel surcharge waiver and cashback redemption on everyday purchases. With zero joining fee, a small annual fee that can be waived on ₹25,000 yearly spends, and free accidental death insurance, it is a practical first credit card for rural and semi-urban users.
Features of BOB Pragati RuPay Credit Card which makes it unique
Smart EMI Facility
Convert eligible purchases into pocket-friendly EMIs directly from your card account.
Helps manage higher-value spends like appliances, education and farm equipment without straining monthly cash flow.
Flexible tenure options from 6 to 48 months compared to standard personal loans.
UPI on RuPay Credit Card
Link your Pragati RuPay Credit Card to popular UPI apps to pay using UPI while earning base reward points.
Combines the convenience of UPI with the security and rewards of a credit card for everyday payments.
Stronger UPI acceptance in rural and semi-urban locations compared to many international networks.
Rewards Structure of BOB Pragati RuPay Credit Card
Departmental Stores & Movies
baseRetail transactions at departmental stores and movie theatres in India.
Best suited for cardholders who frequently spend on groceries, household shopping and cinema tickets.
Everyday Spends & UPI
baseAll other eligible retail transactions and UPI payments linked to the card.
Use the card for daily expenses like utilities, pharmacy, small offline and online purchases to accumulate steady base rewards.
Fuel Transactions
baseFuel transactions between ₹400 and ₹5,000 at fuel stations across India.
Helps regular commuters and farmers save on fuel costs while using a secure RuPay credit card.
Reward Redemption
baseRedemption of accumulated reward points through BOBCARD channels.
Convert points into direct statement credit to effectively reduce your monthly card bill.
Milestones of BOB Pragati RuPay Credit Card
Annual Spend Milestone
₹25,000 in a card membership year : Full waiver of the ₹250 annual fee, effectively making the card lifetime free on active usage.
Fees & Charges of BOB Pragati RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹250 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹250 waived on annual retail spends of ₹25,000; account must be non-delinquent.
Fee Explanation Indicative fees based on BOBCARD schedule; always refer to the latest MITC on bobcard.co.in for current charges.
Detailed Explanation of BOB Pragati RuPay Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee for primary card.
Annual Fee: ₹250 (yearly)
Waived on ₹25,000 annual retail spends; account must be in good standing.
Cash Advance Fee: 2.5% of amount (min ₹300) (transaction)
Interest charged from transaction date until repayment.
Late Payment Fee: Up to ₹750 (transaction)
Slab-wise fee as per BOBCARD MITC if minimum amount due is not paid.
Overlimit Fee: 2.5% of overlimit amount (min ₹600) (statement)
Charged when outstanding balance exceeds sanctioned limit.
Insurance Coverage with BOB Pragati RuPay Credit Card
Air Accident Cover
₹15,00,000Complimentary personal accidental death cover for eligible air travel when the card is used as per policy terms.
Non-Air Accident Cover
₹5,00,000Complimentary personal accidental death cover for non-air accidents for active cardholders, subject to insurer conditions.
Additional Features of BOB Pragati RuPay Credit Card
Free Add-on Cards
Get up to three lifetime free add-on credit cards for close family members above 18 years.
Primary cardholder is responsible for repayment of all add-on card spends.
Interest-Free Credit
Enjoy up to 50 days of interest-free credit on retail purchases.
Interest-free period not applicable if previous statement dues are unpaid in full.
Zero Liability on Lost Card
Zero liability for unauthorised transactions after you promptly report card loss to BOBCARD customer care.
Liability protection applicable only from the time of reporting loss as per MITC.
Welcome Bonus with BOB Pragati RuPay Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Spend ₹5,000 within 60 days of card issuance to qualify.
Application Process for BOB Pragati RuPay Credit Card
Processing Time
Instant in-principle decision online; physical card typically dispatched within 7–10 working days after approval.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Check your eligibility as an existing customer of BUPB, BGGB or BRKGB and keep your KYC and income documents ready.
Apply online via the BOBCARD digital journey by filling out the Pragati RuPay Credit Card application form.
E-sign the application using Aadhaar-based e-sign and complete Video KYC as guided on the portal.
On approval, your virtual limit is set up and the physical card is printed and dispatched to your registered address.
Required Documents for BOB Pragati RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Photograph
allAccepted documents:
BOB Pragati RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide domestic acceptance across India at RuPay-enabled POS terminals and online merchants.
International Acceptance
Primarily issued for domestic usage; international usage may require enabling cross-border transactions as per BOBCARD policy.
Online Acceptance
Supported on most Indian e-commerce websites that accept RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Pragati RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Available only for existing customers of Baroda UP Bank, Baroda Gujarat Gramin Bank, or Baroda Rajasthan Kshetriya Gramin Bank, subject to internal credit checks.
How Approval Is Decided
- Indian resident with an active savings or current account with Baroda UP Bank, Baroda Gujarat Gramin Bank or Baroda Rajasthan Kshetriya Gramin Bank.
- Minimum age of 21 years for salaried applicants and higher minimum age for self-employed applicants as per BOBCARD policy.
- Satisfactory credit bureau history and ability to provide valid KYC and income documents.
- Final approval subject to BOBCARD’s internal risk and underwriting policies.
Pros of BOB Pragati RuPay Credit Card
- Lifetime free structure achievable with modest annual spending.
- Strong 5X rewards on key lifestyle categories like groceries and movies.
- Fuel surcharge waiver plus cashback-based reward redemption for real savings.
- Free add-on cards and complimentary accidental death insurance cover.
- UPI compatibility via RuPay for smoother payments in smaller towns and villages.
Cons of BOB Pragati RuPay Credit Card
- No complimentary airport lounge access or luxury travel benefits.
- Base reward rate is modest compared to premium rewards credit cards.
- Fuel transactions do not earn reward points despite the surcharge waiver.
- Card is primarily targeted at select RRB customers, so eligibility is restricted.
Frequently Asked Questions about BOB Pragati RuPay Credit Card
Is there any joining fee for the BOB Pragati RuPay Credit Card?
No, there is no joining fee. The card is issued with zero joining fee for eligible customers.
What is the annual fee and how can I get it waived?
The annual fee is ₹250. It is reversed when you spend ₹25,000 or more in a card membership year and your account remains in good standing.
How do reward points work on the Pragati RuPay Credit Card?
You earn 5 reward points per ₹100 spent at departmental stores and movie theatres, capped at 1,000 bonus points per statement cycle, and 1 reward point per ₹100 on other eligible spends including UPI transactions.
Does the card offer a fuel surcharge waiver?
Yes. You get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India, capped at ₹250 per statement cycle. Fuel spends do not earn reward points.
Who is eligible to apply for the BOB Pragati RuPay Credit Card?
The card is designed for Indian residents who are existing customers of Baroda UP Bank, Baroda Gujarat Gramin Bank or Baroda Rajasthan Kshetriya Gramin Bank, typically aged 21 years or above and meeting BOBCARD’s internal credit and documentation norms.
Is the Pragati RuPay Credit Card enabled for UPI payments?
Yes. As a RuPay credit card, it can be linked to supported UPI apps so you can pay via UPI and continue earning base reward points on eligible transactions.
Does the card have any insurance benefits?
Yes. Eligible cardholders enjoy complimentary personal accidental death insurance cover of ₹15 lakh for air accidents and ₹5 lakh for non-air accidents, subject to policy terms and conditions.
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