Bank of Baroda Pragati Credit Card | Co-Branded Credit Card March 2024

Bank of Baroda Pragati Credit Card

Introducing Pragati Credit Cards – a series of exclusive co-branded credit cards brought to you by BoB Financial Solutions Limited (BFSL). These cards, namely BGGB Pragati RuPay, BRKGB Pragati RuPay, and BUPB Pragati RuPay, cater unique needs of BoB rural customers. Eligible for Baroda Gujarat Gramin Bank, Baroda Rajasthan Kshetriya Gramin Bank, and Baroda UP Bank customers. As part of strategic partnerships, the arrangements between BFSL and cobrand partners involve joining and annual/renewal fees. Explore the exclusive features and benefits of BoB credit cards tailored for each bank’s customers. Make the most out of the Bank of Baroda Pragati Credit Card series a compelling choice.

Key Features – Pragati Credit Card

Here are the key benefits of the BoB Pragati Credit Card that you’ll find in each variant –

  • 5X Rewards – Upon making a transaction of ₹100 you will earn 5 points spent on Grocery, Departmental Stores & Movies (max. 1,000 reward points per month)
  • 1 Reward Point – Other than the above category, you will earn one reward point for every ₹100 transaction.
  • Fuel Surcharge Waiver – 1% waiver at all petrol pumps across India. Valid for transactions ₹400 and ₹5,000. Under this save up to ₹250 per statement cycle. Do remember there are no reward points are earned on fuel transactions.

Contactless Convenience with BOB Credit Cards

Embracing the latest advancements in payment technology, Bank of Baroda (BOB) Credit Cards now come equipped with a seamless contactless feature, allowing cardholders to make secure and swift transactions with just a simple tap. This cutting-edge functionality eliminates the need for physical contact with the POS terminal, enhancing both speed and convenience at the point of sale.

How Does it Work?

BOB Credit Cardholders can enjoy the hassle-free contactless experience by locating the contactless symbol on their card. To make a payment, one only needs to tap the card on the contactless-enabled POS terminal. For added security, transactions are subject to a predefined limit, ensuring peace of mind for users.

Benefits of Contactless Transactions

  • Speed and Efficiency: Experience swift transactions, reducing the overall payment process time significantly.
  • Security Measures: Contactless transactions are secure, with embedded safeguards to protect against unauthorized use.
  • Convenience: No need to insert the card or remember PINs for small transactions; a simple tap is all it takes.
  • Hygienic Transactions: Especially relevant in today’s health-conscious environment, contactless payments minimize physical contact, promoting a more hygienic transaction process.

Activation and Usage

To make the most of this convenient feature, ensure that your BOB Credit Card’s contactless functionality is activated. If not, contact the BOB Credit Card Customer Care for assistance. Once activated, start tapping at any contactless-enabled point of sale to enjoy a seamless and secure payment experience.

Fees and Affordability

The Bank of Baroda Pragati Credit Card offers a rewarding experience, but understanding its fee structure is crucial for informed decision-making. Here’s a breakdown of the key fees and how you can potentially avoid them:

Annual Fee:

  • Standard Fee: ₹250. This annual fee is charged at the card renewal each year.
  • Waiver Criteria: The good news is, you can easily waive the annual fee! Simply spend ₹25,000 or more on your Pragati Credit Card within a year of your card renewal anniversary. This makes the card effectively free for active users who enjoy its benefits.

Additional Fees:

  • Late Payment Fee: As with most credit cards, late payment charges will apply if your minimum due amount is not paid by the due date.
  • Cash Advance Fee: Cash advances attract a fee of 2.5% of the transaction amount, with a minimum of ₹50.
  • Other Charges: Standard charges like foreign currency markup and replacement card fees may also apply.


  • Always refer to the Bank of Baroda’s official website or cardholder agreement for the most up-to-date fee information.
  • By practicing responsible credit card usage and meeting the annual fee waiver criteria, you can maximize the value proposition of the Pragati Credit Card and enjoy its benefits without incurring unnecessary costs.

Tip: If you’re unsure about whether the Pragati Credit Card’s fee structure aligns with your spending habits, consider comparing it to other best credit cards. Look for cards that offer similar benefits with lower annual fees or easier waiver criteria.

By understanding the fees associated with the Bank of Baroda Pragati Credit Card and making informed choices, you can unlock its rewards potential while keeping your finances in check.

Free Insurance with Your Credit Card

The Bank of Baroda Pragati Credit Card offers a valuable perk – complimentary Personal Accidental Death Cover for both air and non-air travel. This means your family receives financial protection in case of an unfortunate accident, providing them with much-needed support during a difficult time.

Here’s what the cover offers:

  • Air Accident Cover: Get ₹15 Lakhs in case of accidental death during an air travel covered by your Pragati Credit Card.
  • Non-Air Accident Cover: Receive ₹5 Lakhs in case of accidental death during any non-air travel.

This complimentary insurance adds a layer of security and peace of mind to your Pragati Credit Card experience. Knowing your family is financially protected in case of the unexpected allows you to relax and enjoy the benefits of your card with greater confidence.


The BoB Pragati Credit Card series, offered in partnership with BoB Financial Solutions Limited, caters to the unique needs of rural customers from Baroda Gujarat Gramin Bank, Baroda Rajasthan Kshetriya Gramin Bank, and Baroda UP Bank. With its attractive rewards program, fuel surcharge waiver, contactless payment convenience, and free accidental death insurance, the Pragati card offers a compelling value proposition for responsible credit card users.

BoB Pragati Credit Card FAQs

Q. What are the eligibility criteria for the BoB Pragati Credit Card?

A. Have to be an existing Baroda Gujarat Gramin Bank, Baroda Rajasthan Kshetriya Gramin Bank, and Baroda UP Bank customer.

Q. What is the BoB Pragati Credit Card?

A. The benefits of a BoB card include a 5X reward, an annual fee waiver and more.

Q. How to Apply for a BoB Pragati Credit Card?

A. Do it online by visiting the official website of the Bank of Baroda.