BOBCARD additional offerings credit cards
2 verified offerings. Additional coverage outside the frozen 401-name audit; directory-only.
These are not calculator models. No score, point value or partner alias is imported.
Verified offerings
- BUPB/BGGB/BRKGB PRAGATI
- PM SVANidhi BOBCARD
Two additions outside the frozen audit
The original 13-name BOBCARD directory and original 401-name audit remain unchanged. These two issuer-listed additions are directory-only. BUPB/BGGB/BRKGB PRAGATI is one catalogue label, not three scored bank cards. The regional-bank abbreviations are preserved as the issuer publishes them; they are not a claim about each bank's current legal identity or post-merger eligibility.
PRAGATI: declared reward and surcharge terms
The named issuer page says 5 reward points per ₹100 on departmental stores and movies, capped at 1,000 reward points per statement, with further spending earning the regular rate. Other eligible spending earns one point per ₹100. It declares cashback redemption at ₹0.25 per reward point. UPI earns core points only, not bonus rewards. Selected MCCs and fuel are excluded from points.
These declared rates are not a universal cash score. The current named redemption minimum, charges, rounding, accelerated-cap allocation and final merchant eligibility need full binding before a calculator model. No point-value model or retail partner alias is imported.
The page states zero joining fee and ₹250 annual fee, with an annual-fee waiver on milestone spends. The exact waiver threshold and account-specific conditions are not fully bound here. The issuer explicitly restricts waivers to non-delinquent accounts. We do not calculate a waiver score.
It also states 1% fuel-surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle, with no fuel points. The page says the GST component is not reversed. Surcharge depends on the acquiring bank and actual charge. No GST-refund uplift or fuel model is imported.
PM SVANidhi BOBCARD: catalogue verification only
The current issuer catalogue lists PM SVANidhi BOBCARD for eligible street vendors who have repaid PM SVANidhi loans. It advertises lifetime-free joining and annual fees, interest-free days, UPI, EMI and reward features. These are catalogue headlines, not fully verified named-account terms, reward values or a score. The issuer terms hub lists PM SVANidhi MITC and KFS, but their complete document contents have not been verified in this check.
This is not the scored Union Bank PM SVANidhi card, and no Union rule, denomination, eligibility or cost is copied into it. Loan products with similar names are not extra retail cards here.
Unpriced, not absent
Welcome rewards, insurance, financing features, cashback and other benefits remain unpriced. Confirm final issuer and account terms, current regional eligibility, redemption costs and exact caps. A directory listing is not a guarantee of approval, an open application or unchanged benefits.
Scope and freshness
Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. Full current variant and account rules are needed before scoring.
Issuer sources
Current issuer catalogue · Named PRAGATI page · Issuer terms hub · Bank of Baroda card overview
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