All cards / Rajasthan Gramin Bank
RGB Pragati RuPay Credit Card
RuPay
RGB Pragati RuPay Credit Card
Rajasthan Gramin Bank — formed from the 2025 merger of Baroda Rajasthan Kshetriya Gramin Bank into a single state RRB — carries forward the BRKGB-era Pragati RuPay card through BoB Financial. It's a straightforward, low-fee credit card built for the bank's rural Rajasthan customer base, with an accelerated reward rate on the categories those customers actually spend on.
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+. 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
- 🛡️ Insurance
Complimentary personal accidental death cover of up to ₹15 lakh
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 transactions, max ₹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.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
Benefits
- 500 reward points on spends of ₹5,000 within 60 days of card issuance
- 5 reward points per ₹100 on departmental stores and movies (max 1,000 points per statement); 1 point per ₹100 on other spends (1 point = ₹0.25)
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, max ₹250 per statement cycle
- 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 is reversed on ₹25,000 of yearly spend
- + 5x reward points on departmental stores and movies
- + ₹15 lakh complimentary personal accidental death cover
- + Free add-on cards for family members
Cons
- − Only available to account holders of the partner Gramin banks
- − Narrow bonus categories (departmental stores and movies); no travel, dining or fuel reward acceleration
- − Base earn is only 1 point per ₹100 (0.25%)