All cards / Assam Gramin Bank
PNB-AGB Co-Branded RuPay Credit Card
Launched in 2026, this is Assam Gramin Bank's first general-purpose credit card — a RuPay product co-branded with its sponsor, Punjab National Bank, following the same template PNB rolled out for Tripura Gramin Bank. It's built for AGB's existing rural and semi-urban savings customers in Assam who previously had access only to a RuPay debit card or a Kisan Credit Card, giving them a first step into revolving credit with lifetime-free pricing.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver at listed fuel stations
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹10,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
Benefits
- Fuel surcharge waiver at listed fuel stations
- Modest starting credit limit typical of RuPay Classic co-branded RRB cards, with scope to grow with account history
Pros
- + No joining or annual fee
- + First general-purpose credit card available to AGB's rural and semi-urban customer base
- + Fuel surcharge waiver included despite the zero-fee structure
- + Backed by PNB's card infrastructure, so servicing and dispute handling follow PNB's established processes
Cons
- − Only available to Assam Gramin Bank account holders
- − Flat, low base reward rate with no accelerated categories
- − Starting credit limits are modest, in keeping with the bank's rural customer income profile