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Bank of Baroda Pragati Credit Card is designed for the customers of BoB Regional Rural Banks in Rajasthan, Gujarat and Uttar Pradesh. This is an entry-level credit card with a low annual fee which can be reversed by meeting the annual spend-based condition which is easily achievable even for a low spender. Cardholders can avail some basic rewards benefits on every purchase made via the card which you can redeem as cashback. Read on further to know about the detailed features and benefits of Pragati BoB Credit Card.
Bank of Baroda Pragati Credit Card: Key Highlights |
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| Joining Fee | Nil |
| Annual Fee | Rs. 250 |
| Best-Suited For | BUPB, BGGB & BRKGB bank customers |
| Welcome Benefit | 500 reward points |
| Key Feature | Up to 5 reward points per Rs. 100 spent |
Note: This card is not available on Paisabazaar.com. The content on this page is for information only. To apply for this card, please visit BoB Bank’s website.
Bank of Baroda Pragati Credit Card: Features & Benefits
Rewards Program
- 5 reward points on every Rs. 100 spent at departmental stores and on movies, up to 1,000 reward points per month
- 1 reward point on every Rs. 100 spent on others, including UPI spends
- 1 reward point = Rs. 0.25
Terms & Conditions:
- Movies and departmental store spends made beyond the monthly capping on 5X rewards will earn as per the base reward rate of 1 reward point per Rs. 100
- Reward points on UPI transactions are limited to 500 points per month
- No rewards earning on fuel and other select MCCs
Other Card Benefits
Welcome Benefits: 500 reward points on reaching Rs. 5,000 card spends within 60 days of card issuance.
Annual Fee Reversal: On reaching card spends worth Rs. 25,000 during a year
Insurance Coverage: Personal accidental death cover worth Rs. 15 lakh for air and Rs. 5 lakh for non-air accident.
Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends worth between Rs. 400 and Rs. 5,000.
Entry-level Cards Similar to BoB Pragati Credit Card
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6% cashback on travel and dining spends
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Product Details
- 6% cashback is capped at Rs. 3,000 per month, post which 1% cashback will apply
- Earned reward points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
- Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
- 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000
Standard Chartered Platinum Rewards Credit Card
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Product Details
- 2.5% cashback, up to Rs. 100 per month, on HPCL spends of min. Rs. 500
- 1% surcharge waiver on HPCL fuel spends worth up to Rs. 4,000 per transaction
- 2 ICICI bank rewards points per Rs. 100 retail spend, except fuel
- 1 ICICI Bank Reward Point per Rs. 100 on grocery, utility, telecom, government, tax and departmental store
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10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
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Product Details
- 2 CashPoints per Rs. 150 spent on other categories
- 500 CashPoints as welcome benefit after the payment of joining fee
- Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
Bank of Baroda Pragati Credit Card: Fees & Charges
| Fee Type | Amount Details |
| Joining Fee | Nil |
| Annual Fee | Rs. 250 |
| Finance Charges | 3.6% per month i.e 43.2% per annum |
| Late Payment Charges | On Statement Balance of:
Less than Rs. 100: Nil Rs. 100 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 400 Rs. 1,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 950 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300 |
Click here for the detailed terms and conditions associated with Bank of Baroda Credit Cards.
Bank of Baroda Pragati Credit Card: Eligibility Criteria
To be eligible for Bank of Baroda Pragati Credit Card, the applicant must satisfy the below mentioned criteria:
| Age | Above 18 years |
| Other Details | Customers of BUPB, BRKGB or BGGB in UP, Rajasthan and Gujarat, respectively. |
