All cards / Baroda U.P. Gramin Bank
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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹250
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
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.
Benefits by category
- 🛒 Groceries
5% reward rate
- 🛡️ Insurance
Complimentary personal accidental death cover of up to ₹15 lakh
- ⛽ Fuel
Fuel surcharge waiver on transactions at listed fuel stations
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- First year free, with the ₹250 annual fee from year two waived on ₹25,000 of yearly spend
- 5 reward points per ₹100 spent on grocery, departmental store and movie purchases
- Fuel surcharge waiver on transactions at listed fuel stations
- Complimentary personal accidental death cover of up to ₹15 lakh
- 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 grocery, departmental store and movie spend
- + ₹15 lakh complimentary personal accidental death cover
- + Contactless RuPay card usable at NCMC-enabled transit gates and ATMs nationwide
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