What is the annual fee for BOBCard Pragati?

The annual fee is ₹250. However, Bank of Baroda waives this fee if you spend ₹30,000 or more in a calendar year, making it free for regular shoppers.

How to apply for BOBCard Pragati?

You can apply online through Bank of Baroda's official website or visit your nearest branch. The application process typically requires basic KYC documents and income proof. Approval decisions are usually made within 5-7 business days.

What rewards does BOBCard Pragati offer?

The card earns 1% reward points on all purchases. New cardholders also receive 500 bonus reward points (worth ₹125) on spending ₹5,000 within 60 days of issuance.

What are the eligibility criteria for BOBCard Pragati?

Specific eligibility criteria are not provided in the card details. Typically, credit cards require minimum age of 21 years, stable income, and a good credit score. Contact Bank of Baroda directly for exact requirements.

Does BOBCard Pragati offer airport lounge access?

No lounge access information is mentioned for this card. As an entry-level shopping card, it likely focuses on everyday purchase rewards rather than travel benefits.

Is BOBCard Pragati worth it?

It suits regular shoppers who can cross ₹30,000 annual spend to waive the annual fee. The 1% reward rate is modest but adequate for entry-level cards. The 3.5% forex markup makes it less ideal for frequent international transactions.

Credit Cards

ShoppingEntryVisa

BOBCard Pragati

Everyday shopping rewards without breaking the bank

Annual fee₹250Waived on ₹0.3L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

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Welcome benefits

worth ₹125

500 Reward Points on spend of ₹5,000 within 60 days

Type: Reward Points
Trigger: Spend ₹5,000 within 60 days

Rewards

Base earn rate

1 Reward Point for every ₹100 spent on others

Excludes: Fuel, Select MCCs

Category	Rate	Cap
Departmental Stores	5 Reward Point/₹100	—
Movies	5 Reward Point/₹100	—

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: Zero Joining Fee
Annual / renewal fee: ₹250 Annual Fee
Annual fee waiver: Spend ₹25,000 annually for reversal of annual fees of ₹250
Add-on card fee: lifetime free add-on cards
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹15L

Air: ₹15 Lakhs and Non-Air: ₹5 Lakhs

Credit liability

₹5L

Eligibility

Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

photograph
pan_card
aadhaar_card
address_proof
income_proof

Features

✓ UPI linkage

Additional features

Interest free credit facility - Avail up to 50 days of interest-free credit from any purchase date
Revolving credit facility - Pay Minimum Amount Due and finance your spends as per your convenience
Zero liability on the lost card - Report loss of card immediately to ensure zero liability on any fraudulent transactions

No rewards on

Fuel · Select MCCs · UPI (For Bonus Rewards)