BOBCARD Pragati (Regional Rural Banks)
An inclusion card issued across Bank of Baroda-sponsored Regional Rural Banks, including Baroda UP Bank, Baroda Rajasthan Kshetriya Gramin Bank, and Baroda Gujarat Gramin Bank. It extends digital credit and RuPay UPI functionality to farmers, regional salaried workers, and local rural merchants with zero annual fees.
Why We Recommend The BOBCARD Pragati (Regional Rural Banks)
A regional inclusion card extending modern RuPay UPI credit conveniences to rural India.
Customers of Bank of Baroda-sponsored regional rural banks in UP, Rajasthan, and Gujarat.
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 Pragati (Regional Rural Banks)?
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 Pragati (Regional Rural Banks)
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 Pragati (Regional Rural Banks)
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 Pragati (Regional Rural Banks) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Exclusively issued to customers of Baroda UP Bank, Baroda Rajasthan Kshetriya Gramin Bank, and Baroda Gujarat Gramin Bank.
RuPay enabled for rural UPI merchant transactions.
1% fuel surcharge waiver on transactions across regional fuel outlets.
Pros & Cons of the BOBCARD Pragati (Regional Rural Banks)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Zero annual maintenance fees (Lifetime Free).
- Provides modern credit and UPI access to tier 3 and rural consumers.
- Easy documentation via local Regional Rural Bank branch networks.
Things to Consider (Cons)
- Available only to account holders of Baroda-sponsored Regional Rural Banks.
- Basic reward yield without premium lifestyle features.
- No travel or lounge access benefits.
Who Can Apply for the BOBCARD Pragati (Regional Rural Banks)?
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 Pragati (Regional Rural Banks)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD Pragati (Regional Rural Banks)?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.