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Tripura Gramin Bank
PNB-TGB RuPay Credit Card
RuPay
PNB-TGB RuPay Credit Card
India's first Regional Rural Bank credit card — a co-branded RuPay card from Tripura Gramin Bank and its sponsor PNB, launched in TGB's Golden Jubilee year to extend formal credit to rural and semi-urban customers.
Annual fee
₹0
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 who clear the standard eligibility bar whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Insurance benefits: Basic personal accident cover under the NPCI RuPay platform
Benefits by category
- 🛡️ Insurance
Basic personal accident cover under the NPCI RuPay platform
- ⛽ Fuel
1% fuel surcharge waiver on eligible transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 30% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on eligible transactions
Benefits
- 1% fuel surcharge waiver on eligible transactions
- Basic personal accident cover under the NPCI RuPay platform
- Issued to Tripura Gramin Bank account holders under its PNB sponsorship, extending formal credit access in the Northeast
Pros
- + Historic first RRB-issued credit card, backed by PNB
- + Zero joining/annual fee
- + Extends formal credit access in an underserved region
Cons
- − Very new launch — reward structure and long-term terms still emerging
- − Limited to Tripura Gramin Bank's branch network in the Northeast