M16S / Bank of Baroda / Bank of Baroda BUPB/BGGB/BRKGB Pragati BOBCARD
entry · rewards, cobrand
Bank of Baroda BUPB/BGGB/BRKGB Pragati BOBCARD
The Bank of Baroda BUPB/BGGB/BRKGB Pragati BOBCARD costs Rs 250 a year, waived if you spend Rs 25,000 in a year. Its base return is 0.25% (1 RP per Rs 100). Accelerated earn: 5 RP per Rs 100 (5X) on departmental stores and movies. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 250+ GST
- Fee waived at
- Rs 25,000annual spend
- Base return
- 0.25%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 250 |
| Annual spend that waives the fee | Rs 25,000 |
| Fee notes | Zero joining fee. Annual fee Rs 250 waived on Rs 25,000 spend in the anniversary year (MITC). |
Rewards
| Welcome benefit | 500 RP on Rs 5,000 spend within 60 days of issuance |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earn | 1 RP per Rs 100 |
| Base return | 0.25% |
| Point value | 1 Reward Point = Rs 0.25 as cashback |
| Accelerated earn | 5 RP per Rs 100 (5X) on departmental stores and movies |
| Caps | 5X earn capped at 1,000 RP per statement; UPI earns core points only |
| Spends that earn nothing | Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Reward notes | base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25%; 5X categories return 1.25% until the cap. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points |
| Other freebies | Personal accidental death cover Rs 15 lakh (air) and Rs 5 lakh (non-air); up to 3 free add-on cards |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Customers and staff of the Baroda-sponsored RRBs in Uttar Pradesh, Gujarat and Rajasthan; salaried age 21-60, self-employed 24-65 |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. |
Questions
- What is the annual fee of the Bank of Baroda BUPB/BGGB/BRKGB Pragati BOBCARD?
- Rs 250 a year, before GST. It is waived if you spend Rs 25,000 in a year.
- What is the forex markup on the Bank of Baroda BUPB/BGGB/BRKGB Pragati BOBCARD?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda BUPB/BGGB/BRKGB Pragati BOBCARD?
- Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.