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BUPB Pragati RuPay Credit Card
RuPay
BUPB Pragati RuPay Credit Card
Issued by Baroda U.P. Gramin Bank (sponsored by Bank of Baroda) through BoB Financial's Pragati program, this RuPay card is aimed squarely at the bank's existing rural and semi-urban savings-account customers rather than the general market. It keeps the fee structure minimal — free in year one, and easily waived thereafter — while layering on a 5x reward rate on everyday grocery and departmental-store spend that's disproportionately generous for a card with no income-heavy eligibility bar.
Annual fee
₹250
Joining fee
₹0
Reward type
points
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+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛒 Groceries
1.25% reward rate (capped ₹250/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,000
- Interest rate: 42% p.a.
Benefits
- 500 reward points on ₹5,000 spend within 60 days of issuance
- 5 reward points per ₹100 on departmental stores and movies (max 1,000 points per statement); 1 point per ₹100 elsewhere; 1 point = ₹0.25 cashback
- 1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
- Up to 50 interest-free days on purchases when the bill is paid in full each cycle
Pros
- + No joining fee, and the modest ₹250 annual fee is waived on just ₹25,000 of yearly spend
- + 5X reward points on departmental store and movie spend
- + 500 welcome points on early spend
- + Up to 3 lifetime free add-on cards
Cons
- − Only available to Baroda U.P. Gramin Bank account holders — not open to the general public
- − Reward categories are narrow; spend outside grocery/departmental stores/movies earns little
- − No lounge access, forex benefit, or milestone bonuses typical of urban entry cards