Data Updated On July 27, 2024 from Bank Website.

Bank of Baroda(BOB) PRAGATI Credit Card

Discover how it fits your lifestyle

Welcome Benefit

  • Earn 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.

Everyday Shopping Rewards*

  • 5X i.e. 5 Reward Points for every 2100 spent on Departmental Stores & Movies.* 1 Reward Point for every ₹100 spent on others.

Fuel Surcharge Waiver**

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle). No Reward Points are earned on fuel transactions.

Multiple Redemption Options

  • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25.

Smart EMI option

  • Convert purchase of >₹2,500/- on your card into easy EMIs of 6 to 36 months

Make PRAGATI Lifetime Free

  • Spend ₹25,000 annually for reversal of annual fees of ₹250***.

Additional Benefits with PRAGATI

Free add-on card

  • Get up to three lifetime free add- on cards for your spouse, parents, siblings or kids (above age 18).

Complimentary insurance cover

  • Get a free Personal Accidental Death Cover to ensure your family's financial protection. Air: ₹15 Lakhs and Non-Air: ₹5 Lakhs.

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 liablity on the lost card

  • Report loss of card immediately to ensure zero liability on any fraudulent transactions

*5X Rewards are capped at 1,000 Reward Points on the mentioned categories per statement. Further spending on these categories will earn Reward Points at the regular rate per statement cycle. Reward program is not applicable on select MCCs and Fuel.Visit bobcard.co.in/most-important-terms-and-condition to know Reward Points Important Terms and Conditions.

**The GST component is not reversed. The fuel surcharge rate may vary depending on the fuel station and acquiring bank, fuel spend will not generate Reward point. The acquiring bank provides the terminal to the merchant levied the surcharge. The value of the fuel transaction on the charge slip will differ from the credit card statement since the acquiring bank levied the fuel surcharge, and GST on the same is levied by the acquiring bank after the transaction.***Please note - Annual fee waiver is applicable only to non-delinquent credit cardholders.

UPI transactions are eligible only for core Reward Points. A maximum of 500 Reward Points can be earned in a Statement cycle on UPI spends. UPI transactions do not qualify for bonus rewards.” ^The arrangements between BOBCARD and cobrand partners may involve sharing of revenue between BOBCARD and the respective cobrand partner as per agreed terms between both the parties."

Application Guidelines

Understand just what you need, before you begin our easy and simple 3-step application process.

1. Eligibility Criteria

  • Indian Resident
  • Age: 21 to 65 years (Primary Cardholder). Above 18 years (Add-on Cardholder)If a Non-BOB Customer:
  • Applicant must have a bank account in the respective banks - BUPB/BGGB/BRKGB

2. Mandatory Proof

  • Recent Passport size photograph (with clear / white background & without dark / tinted glass)
  • PAN Card

3. Permanent Address Proof

  • Aadhaar Card (both side)
  • Voter ID Card issued by election commission of India
  • Passport
  • Driving Licence
  • Job Card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by the National Population Register containing details of the name & address.

4. Income Proof

  • Staff:Existing Staff (any of the below):
    • i. Emp ID
    ii. Latest Visiting Card with Designation
    iii. Latest Salary Slip
  • For Retired Staff (any of the below):
    • i. PPO (Pension Pay Order)
    ii. RID (Retired Staff Identity Card)
    iii. Bank Statement reflecting Pension credit for the recent month)
  • Salaried :
    • i. Bank statement reflecting salary credited for last 2 months
    ii. Salary Slips, if submitted to be accompanied with bank statement as specified above
  • CAC :Latest Card Statement
  • Asset Customers of the Bank: Copy of Loan Sanction letter duly signed by bank official with branch stamp and seal.

Apply Now
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