BOBCARD Bupb Bggb Brkgb Pragati
BOBCARD
Annual / renewal fee
₹250 annual fee, waived on spends of ₹25,000 in Anniversary year.
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Earn rate
- 5 Reward Points for every ₹100 spent at Departmental store (MCC 5311) and Movies (MCC 7832).
- 1 Reward Point per ₹100 on other categories (core rate).
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You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Bupb Bggb Brkgb Pragati by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (NIL) joining fee.
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Annual / renewal fee
₹250 annual fee, waived on spends of ₹25,000 in Anniversary year.
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Fee waiver
Annual fee of ₹250 reversed/waived on spends of ₹25,000 in the Anniversary year.
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Rewards
- 5 Reward Points for every ₹100 spent at Departmental store (MCC 5311) and Movies (MCC 7832).
- 1 Reward Point per ₹100 on other categories (core rate).
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Redemption value
- Minimum reward points required for redemption against Card statement is 1000 Reward Points.
- Reward Points are valid only for 2 years from the date of accumulation (expire if not redeemed within 2 years).
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Reward cap
- Accelerated (5X) Reward Points capped at 1000 Reward Points per statement cycle.
- Further spends earn at regular earn rate.
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Reward exclusion
- No Reward Points on fuel transactions.
- Spends on select MCCs (Annexure 1) do not earn accelerated or core reward points.
- Credit Card on UPI and Utility (MCC 4900) transactions not eligible for Accelerated Reward Points.
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Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Air and Non-Air Accidental Death Cover insurance benefits will NOT be applicable to Pragati BGGB, Pragati BRKGB and Pragati BUPB cards issued after 15th July 2026.
- For such cards issued till 15th July 2026, the insurance benefit will be applicable only till 25th August 2026.
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Eligibility
Eligibility
- For BUPB / BRKGB / BGGB bank customers in UP, Rajasthan & Gujarat respectively.
- A credit card aimed at the growth and development of customers of regional rural banks.
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Charges & interest
Forex markup
Foreign Currency Transaction Fee: 3.5% of transaction amount (all other credit cards).
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Charge
- Finance Charges: 3.75% per month (45% per annum).
- Cash Withdrawal Charges: 2.5% of withdrawn amount or ₹500 whichever is higher.
- Foreign Currency Transaction Fee: 3.5% of transaction amount.
- Cheque Return charges: 2% of payment amount subject to min ₹500.
- Auto Debit/SI Bounce Fee: 2% of payment amount subject to min ₹500.
- Cash Payment Processing Fee: ₹250 per cash payment.
- Cheque Payment Process Fee: ₹100 per cheque.
- Duplicate Bill: ₹25 per bill.
- Exceeding Credit Limit Charges: 2.5% of amount over sanctioned limit or ₹600 whichever is higher.
- Card Replacement Charges: ₹100 per card.
- Charge Slip Retrieval Charge: ₹250 per charge slip.
- GST: 18%.
- Late Payment Charges: Less than ₹100 = Nil, ₹100-500 = ₹100, ₹501-1000 = ₹400, ₹1001-10000 = ₹750, ₹10001-25000 = ₹950, ₹25001-50000 = ₹1100, More than ₹50000 = ₹1300.
- Processing Fee on Rent Payments: 1% (MCC 6513).
- Processing Fee on Wallet Loading: 1% (MCC 6539/6540/6541/6542).
- Processing Fee on Utility Transaction: 1% (max ₹3000) where amount is ₹50,000 or higher (MCC 4900).
- Processing Fee on Fuel Transaction: 1% where amount is ₹10,000 or higher (MCC 5172/5541/5542/5983).
- W.e.f 1st April 2026: 1% fee (max ₹5000) on online education fee payments via third party apps, Flat 1% fee on Toll & Bus (MCC 4784) transactions ₹5000 or more, 1% fee (max ₹5000) on railway bookings (MCC 4112) of ₹30,000 or higher.
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Fuel surcharge waiver
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5000 (subject to maximum of ₹250 per statement).
- GST not reversed.
- Fuel transactions eligible for surcharge waiver do not earn Reward Points.
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Interest-free period
20 to 50 days in case there is no previous outstanding.
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Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Bupb Bggb Brkgb Pragati?
Officially traced: Rs. 250 annual fee, waived on spends of Rs. 25,000 in Anniversary year.
harvested via one-hop MITC/documents hubWhat is the joining fee on the Bupb Bggb Brkgb Pragati?
Officially traced: Rs. 0 (NIL) joining fee.
harvested via one-hop MITC/documents hubIs the Bupb Bggb Brkgb Pragati annual fee ever waived?
Annual fee of Rs. 250 reversed/waived on spends of Rs. 25,000 in the Anniversary year.
harvested via one-hop MITC/documents hubHow does the Bupb Bggb Brkgb Pragati earn rewards?
5 Reward Points for every Rs. 100 spent at Departmental store (MCC 5311) and Movies (MCC 7832).
harvested via one-hop MITC/documents hubWhat are the transfer ratios for Bupb Bggb Brkgb Pragati points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.bobcard.co.in/credit-card-types/bupb-bggb-brkgb-pragati.
VerifiedBupb Bggb Brkgb Pragati product page3 Aug 2026, 5:30 AM ISTBOBCARD
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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