BOBCARD Pragati (UPGB / BGGB / BRKGB)
A regional credit card custom-tailored for customers of Bank of Baroda-sponsored Regional Rural Banks—Baroda UP Bank (BUPB/UPGB), Baroda Gujarat Gramin Bank (BGGB), and Baroda Rajasthan Kshetriya Gramin Bank (BRKGB). Offered with zero joining fee and a ₹250 annual fee (waived on ₹25,000 annual spend), it delivers 5X rewards on departmental stores and movies.
Why We Recommend The BOBCARD Pragati (UPGB / BGGB / BRKGB)
A high-value regional inclusion card that actually beats BOBCARD Easy on point value (₹0.25 vs ₹0.20) and fee waiver ease (₹25,000/yr).
Customers of Bank of Baroda-sponsored regional rural banks in Uttar Pradesh, 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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Pragati (UPGB / BGGB / BRKGB)
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Pragati (UPGB / BGGB / BRKGB)
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Pragati (UPGB / BGGB / BRKGB)
Transparent assessment of travel and airport lounge conditions bundled with this card tier.
Not available
This card focuses rewards on retail, shopping, and everyday cashback rather than travel lounges. Paid access is available at standard airport counter rates.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD Pragati (UPGB / BGGB / BRKGB) Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Exclusively issued to customers of BUPB/UPGB, BGGB, and BRKGB regional rural banks.
Zero joining fee and a ₹250 annual fee waived on spending just ₹25,000 a year.
5X reward points on departmental stores and movie tickets, redeemed at 1 RP = ₹0.25.
Honest Pros & Cons of the BOBCARD Pragati (UPGB / BGGB / BRKGB)
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Higher point valuation (₹0.25/RP) and lower annual fee (₹250) than the civilian BOBCARD Easy card.
- 500 welcome RPs (₹125 value) plus a very low ₹25,000 annual spend waiver.
- Provides modern RuPay UPI and Smart EMI access to tier-3 and rural banking customers.
Things to Consider (Cons)
- Available strictly to account holders of Baroda-sponsored Regional Rural Banks in UP, Gujarat, and Rajasthan.
- Accelerated 5X rewards are capped at 1,000 RPs per statement cycle.
- No airport or railway lounge access benefits.
Who Can Apply for the BOBCARD Pragati (UPGB / BGGB / BRKGB)?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
650+ Score Recommended
Applicants with a score above 650 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Pragati (UPGB / BGGB / BRKGB)
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Pragati (UPGB / BGGB / BRKGB) is ₹250 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Waived on annual spends of ₹25,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Pragati (UPGB / BGGB / BRKGB) features: 5X Reward Points (5 RPs per ₹100 = 1.25% return) on Departmental Stores & Movies.
Base reward: 1 Reward Point per ₹100 spent on eligible retail transactions (0.25% return).
Accelerated reward: 5 Reward Points per ₹100 on departmental stores and movies (capped at 1,000 RPs per statement cycle).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the BOBCARD Pragati (UPGB / BGGB / BRKGB)?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.