All cards / Gujarat Gramin Bank
GGB Pragati RuPay Credit Card
RuPay
GGB Pragati RuPay Credit Card
Gujarat Gramin Bank — the merged successor to Baroda Gujarat Gramin Bank — continues the Pragati RuPay card originally launched for BGGB customers through BoB Financial. Fees and rewards mirror the other two Pragati-branded RRB cards, giving Gujarat's rural and semi-urban Bank of Baroda-network customers a genuine, low-cost entry into revolving credit rather than just a debit card.
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.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: None
- International lounge access: None
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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,000
- Interest rate: 42% p.a.
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 ₹250 annual fee waives on ₹25,000 of yearly spend
- + 5x reward points on grocery, departmental store and movie spend
- + ₹15 lakh complimentary personal accidental death cover
- + Contactless and fuel surcharge waiver included despite the minimal fee
Cons
- − Only available to Gujarat Gramin Bank account holders
- − Reward earning is limited to a few everyday categories
- − No travel or lifestyle benefits beyond the base RuPay Classic feature set