All cards / Bihar Gramin Bank
PNB-BGB Co-Branded RuPay Credit Card
RuPay
PNB-BGB Co-Branded RuPay Credit Card
Bihar Gramin Bank — formed by the 2025 merger of Uttar Bihar and Dakshin Bihar Gramin Bank — followed Tripura and Assam Gramin Bank in rolling out a RuPay credit card co-branded with sponsor Punjab National Bank. It targets the bank's large rural Bihar customer base with a lifetime-free card that's a genuine step up from the RuPay debit and Kisan Credit Card products the bank previously offered.
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
- + Extends real revolving credit to a large rural customer base that previously had debit-only RuPay access
- + Fuel surcharge waiver included
- + Backed by PNB's card servicing infrastructure
Cons
- − Only available to Bihar Gramin Bank account holders
- − No accelerated reward categories or lifestyle perks
- − Starting credit limits are modest