Empowering rural India with affordable credit solutions
1 Reward Point on every ₹150 spent
₹149 + GST (Lifetime Free on ₹10,000 annual spends)
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| Benefit | Details |
|---|---|
| Rural Banking Focus | Specifically designed for customers of Baroda UP Gramin Bank, Baroda Gujarat Gramin Bank, and Baroda Rajasthan Kshetriya Gramin Bank |
| Affordable Fees | Low annual fee of ₹149 + GST, waived on annual spends of ₹10,000 or more |
| Simple Reward Programme | Earn 1 Reward Point on every ₹150 spent across all retail purchases |
| Interest-Free Period | Enjoy up to 48 days of interest-free credit on your purchases |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda |
| Bank / Non-bank | Bank-affiliated |
| Category | Basic / Entry-Level |
| Type of Card | Visa Credit Card |
| Free or Paid | ₹149 + GST Annually (Lifetime Free on ₹10,000 annual spends) |
The Bank of Baroda PRAGATI Credit Card is tailored for customers of regional rural banks (Baroda UP Gramin Bank, Baroda Gujarat Gramin Bank, and Baroda Rajasthan Kshetriya Gramin Bank) who are seeking their first credit card or a straightforward credit solution. This card offers essential credit card benefits at an affordable cost, making it an excellent choice for individuals in semi-urban and rural areas looking to build their credit history whilst enjoying the convenience of cashless transactions.
Regional Rural Bank Integration: Exclusively available to customers of Baroda UP Gramin Bank (BUPB), Baroda Gujarat Gramin Bank (BGGB), and Baroda Rajasthan Kshetriya Gramin Bank (BRKGB), this card bridges the gap between traditional banking and modern credit facilities.
Entry-Level Credit Card: Designed as an accessible credit card option with straightforward features, making it ideal for first-time credit card users or those seeking a simple, no-frills credit solution.
Basic Rewards Programme: Earn 1 Reward Point on every ₹150 spent on retail purchases. Points can be redeemed for a variety of rewards through Bank of Baroda's rewards catalogue.
Visa Acceptance: Being a Visa card, it is accepted at millions of merchant locations across India and worldwide, both online and offline.
Interest-Free Credit: Avail up to 48 days of interest-free credit period on your purchases, helping you manage your finances better.
Financial Inclusion: Part of Bank of Baroda's initiative to promote financial inclusion by providing credit card facilities to customers in rural and semi-urban areas.
Easy Account Management: Manage your card through BOBCARD mobile app and internet banking portal, with access to e-statements, bill payments, and transaction tracking.
Secure Transactions: Enhanced security features including SMS alerts for every transaction, EMV chip technology, and 3D Secure authentication for online purchases.
The PRAGATI Credit Card is a practical financial tool that brings the benefits of credit card usage to underserved markets, with a focus on affordability and ease of use.
1 Reward Point per ₹150 Spent
Earn 1 Reward Point on every ₹150 spent on retail purchases.
Applicable on all eligible retail transactions made using the card.
Points are credited to your account within the billing cycle.
Minimum transaction value may apply for reward point accrual.
Eligible Transactions
In-store purchases at retail outlets
Online shopping transactions
Dining and entertainment expenses
Petrol pump transactions
Utility bill payments (subject to terms)
Rewards Catalogue
Redeem accumulated points through Bank of Baroda's rewards catalogue.
Options include vouchers, merchandise, and lifestyle products.
Redemption can be done via BOBCARD website, mobile app, or customer care.
Redemption Process
Log in to BOBCARD portal or mobile app.
Browse the rewards catalogue for available redemption options.
Select your preferred reward and complete the redemption request.
Rewards are typically processed within 15-30 working days.
Reward Points Validity
Reward Points are valid for 2 years from the date of earning.
Points expiring soon will be notified through SMS or email alerts.
Up to 48 Days: Enjoy up to 48 days of interest-free credit on your purchases from the transaction date, provided you pay the full outstanding amount by the due date.
Family Members: You can apply for add-on cards for family members at minimal or no additional cost, allowing them to share your credit limit whilst you maintain control over spending.
Fuel Transactions: Subject to Bank of Baroda's prevailing terms, fuel surcharge waiver may be available on transactions at petrol pumps across India (terms and conditions apply).
Zero Liability: Report lost or stolen cards immediately. You will have zero liability for fraudulent transactions made after reporting the loss.
Reward Points are not earned on the following transactions:
Cash advances and cash withdrawals
Balance transfers and EMI conversions
Fees and charges (annual fee, late payment charges, etc.)
Wallet loads and prepaid card reloads
Insurance premium payments
Rent payments through third-party apps
Transactions reversed or cancelled
Government-related payments
Education fee payments
Jewellery purchases (subject to bank policy)
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹149 + GST (~₹176) | One-time charge when the card is issued |
| Annual Fee | ₹149 + GST (~₹176) | Charged every year. Lifetime Free if annual spends are ₹10,000 or more |
| Add-On Card Fee | Nil or Minimal | Subject to bank's prevailing terms |
| Interest Rate (APR) | 3.50% per month (42% annually) | Applicable on outstanding balances (indicative rate, subject to change) |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on cash withdrawals |
| Cash Advance Limit | Up to 40% of credit limit | Maximum cash withdrawal limit |
| Late Payment Charges | Up to ₹1,300 based on outstanding | ₹400 (for dues up to ₹500); ₹750 (for dues ₹500-₹10,000); ₹1,300 (for dues above ₹10,000) |
| Overlimit Penalty | 2.5% of overlimit amount | Charged when spending exceeds credit limit |
| Payment Return Charges | ₹450 | Charged when payment cheque/instrument is returned or dishonoured |
| Duplicate Statement Charges | ₹100 per statement | Charged for requesting duplicate physical statements |
| Card Replacement Fee | ₹100 | Applicable for damaged or lost card replacement |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST | May be applicable as per bank policy |
| GSM Service Charges | As applicable | For SMS alerts and communication services |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
Bank Relationship | Must be a customer of Baroda UP Gramin Bank (BUPB), Baroda Gujarat Gramin Bank (BGGB), or Baroda Rajasthan Kshetriya Gramin Bank (BRKGB) |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 675 and above) recommended |
Income | Stable source of income (salaried or self-employed) |
Existing Account | Savings or current account with the respective regional rural bank |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill (not older than 3 months), Bank Account Statement |
| Income Proof | Latest salary slip / Bank statement (last 3-6 months) / Form 16 / IT return copy / Agricultural income proof |
| PAN Card | Mandatory for credit card issuance |
| Passport-size Photograph | Recent colour photograph |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Bank of Baroda PRAGATI Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Activate Your Card | Call Bank of Baroda customer care or use internet banking/mobile app to activate your card immediately upon receipt |
Set Up Transaction Alerts | Enable SMS and email alerts for all transactions to monitor spending and detect any unauthorised usage |
Use for Daily Purchases | Make everyday purchases at grocery stores, petrol pumps, and retail outlets to earn reward points |
Pay Bills Online | Use your card for utility bill payments, mobile recharges, and online shopping to maximise usage and earn points |
Track Your Spending | Regularly check your transactions through BOBCARD mobile app or internet banking to stay within your budget |
Pay Full Amount Due | Always pay the total outstanding amount by the due date to avoid interest charges and maintain a good credit score |
Maintain Spend Threshold | Spend at least ₹10,000 annually to get the annual fee waived and keep the card lifetime free |
Redeem Points Regularly | Don't let your reward points expire; redeem them within the 2-year validity period |
Report Lost Card Immediately | If your card is lost or stolen, report it to Bank of Baroda customer care immediately to block the card |
Use EMI Facility Wisely | For high-value purchases, consider converting transactions to EMI to ease repayment burden (charges applicable) |
Avoid Cash Advances | Cash withdrawals attract high fees and immediate interest; use your card primarily for purchases |
Keep Documents Safe | Store your card details, PIN, and CVV securely; never share them with anyone |
The Bank of Baroda PRAGATI Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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