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Himachal Pradesh Gramin Bank
PNB-HPGB Co-Branded RuPay Credit Card
RuPay
PNB-HPGB Co-Branded RuPay Credit Card
Launched by Punjab National Bank in Himachal Pradesh Gramin Bank's Golden Jubilee year (2026), this co-branded RuPay card follows the same rollout pattern as Tripura, Assam and Bihar Gramin Bank. It gives HPGB's rural and hill-district customers in Himachal Pradesh a lifetime-free entry point into revolving credit alongside their existing RuPay debit cards.
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 for many of HPGB's existing account holders
- + Fuel surcharge waiver included
- + Backed by PNB's nationwide card servicing infrastructure
Cons
- − Only available to Himachal Pradesh Gramin Bank account holders
- − No accelerated reward categories
- − Starting credit limits are modest, reflecting the bank's rural income profile