BOBCARD Bupb Bggb Brkgb Pragati

Charge

• Finance Charges: 3.75% per month (45% per annum).
• Cash Withdrawal Charges: 2.5% of withdrawn amount or ₹500 whichever is higher.
• Foreign Currency Transaction Fee: 3.5% of transaction amount.
• Cheque Return charges: 2% of payment amount subject to min ₹500.
• Auto Debit/SI Bounce Fee: 2% of payment amount subject to min ₹500.
• Cash Payment Processing Fee: ₹250 per cash payment.
• Cheque Payment Process Fee: ₹100 per cheque.
• Duplicate Bill: ₹25 per bill.
• Exceeding Credit Limit Charges: 2.5% of amount over sanctioned limit or ₹600 whichever is higher.
• Card Replacement Charges: ₹100 per card.
• Charge Slip Retrieval Charge: ₹250 per charge slip.
• GST: 18%.
• Late Payment Charges: Less than ₹100 = Nil, ₹100-500 = ₹100, ₹501-1000 = ₹400, ₹1001-10000 = ₹750, ₹10001-25000 = ₹950, ₹25001-50000 = ₹1100, More than ₹50000 = ₹1300.
• Processing Fee on Rent Payments: 1% (MCC 6513).
• Processing Fee on Wallet Loading: 1% (MCC 6539/6540/6541/6542).
• Processing Fee on Utility Transaction: 1% (max ₹3000) where amount is ₹50,000 or higher (MCC 4900).
• Processing Fee on Fuel Transaction: 1% where amount is ₹10,000 or higher (MCC 5172/5541/5542/5983).
• W.e.f 1st April 2026: 1% fee (max ₹5000) on online education fee payments via third party apps, Flat 1% fee on Toll & Bus (MCC 4784) transactions ₹5000 or more, 1% fee (max ₹5000) on railway bookings (MCC 4112) of ₹30,000 or higher.

Verified · harvested via one-hop MITC/documents hub · 2026-08-03 · source

Interest-free period

20 to 50 days in case there is no previous outstanding.

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Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5000 (subject to maximum of ₹250 per statement).
• GST not reversed.
• Fuel transactions eligible for surcharge waiver do not earn Reward Points.

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Redemption value

• Minimum reward points required for redemption against Card statement is 1000 Reward Points.
• Reward Points are valid only for 2 years from the date of accumulation (expire if not redeemed within 2 years).

Verified · harvested via one-hop MITC/documents hub · 2026-08-03 · source

Reward cap

• Accelerated (5X) Reward Points capped at 1000 Reward Points per statement cycle.
• Further spends earn at regular earn rate.

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Reward exclusion

• No Reward Points on fuel transactions.
• Spends on select MCCs (Annexure 1) do not earn accelerated or core reward points.
• Credit Card on UPI and Utility (MCC 4900) transactions not eligible for Accelerated Reward Points.

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Insurance

• Air and Non-Air Accidental Death Cover insurance benefits will NOT be applicable to Pragati BGGB, Pragati BRKGB and Pragati BUPB cards issued after 15th July 2026.
• For such cards issued till 15th July 2026, the insurance benefit will be applicable only till 25th August 2026.

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Eligibility

• For BUPB / BRKGB / BGGB bank customers in UP, Rajasthan & Gujarat respectively.
• A credit card aimed at the growth and development of customers of regional rural banks.

Verified · Bupb Bggb Brkgb Pragati product page · 2026-08-03 · source

Official terms

https://www.bobcard.co.in/credit-card-types/bupb-bggb-brkgb-pragati.

Verified · Bupb Bggb Brkgb Pragati product page · 2026-08-03 · source