BoB Nainital Bank RENAISSANCE Credit Card

Bank of Baroda

BoB Nainital Bank RENAISSANCE Credit Card

Fuel

Insurance Benefits

Reward

MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹250*Plus Applicable Taxes

Fuel

Insurance Benefits

Reward

MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹250* + Tax

Fuel

1% fuel surcharge waived on fuel transactions between ₹400 and ₹5,000.

Insurance Benefits

Personal accidental death cover of Rs. 15 lakh for air and Rs. 5 lakh for non-air accidental death.

Reward

Earn 5 RPs on movies, 1 RP on others per ₹100 spent.

Welcome benefits:- 500 bonus reward points on making Rs. 5,000 card spends within 60 days of card issuance.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About BoB Nainital Bank RENAISSANCE Credit Card

The BoB Nainital Bank RENAISSANCE Credit Card is a low annual fee rewards card for Nainital Bank customers. It helps you earn reward points on every spend, with extra points on movie and departmental store purchases. Cardholders can also enjoy a welcome bonus and annual fee reversal by planning their spending.

BoB Nainital Bank RENAISSANCE Credit Card Rewards Program

Rewards Benefits

5X reward points (10 points per Rs. 100) on departmental stores and movies, up to 1,000 points per month
1 reward point per Rs. 100 on all other spends, and on departmental store/movie spends beyond the monthly cap (excludes select MCCs and fuel)
UPI transactions earn 1 reward point per Rs. 100, up to 500 points per month
Redemption: 1 reward point = Rs. 0.25

Other Features and Benefits

Joining Benefit

500 bonus reward points on spending Rs. 5,000 within 60 days of card issuance
Note: UPI transactions do not count toward this bonus

Annual Fee Reversal

Annual fee waived on spending Rs. 25,000 in a year

Insurance Cover

Air accidental death: Rs. 15 lakh
Non-air accidental death: Rs. 5 lakh

Fuel Benefit

1% fuel surcharge waiver on spends between Rs. 400–5,000, up to Rs. 250 per month

Fees and Charges

Fee Type	Amount Details
Joining Fee	Nil
Annual Fee	Rs. 250
Finance Charges	3.6% per month i.e. 43.2% per annum
Late Payment Charges	On Statement Balance of: Less than Rs. 100: Nil Rs. 100 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 400 Rs. 1,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 950 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

Things to Know Before you apply

Get this card if:

You want high rewards on departmental store and movie spends
You want to earn unlimited reward points on all other purchases
You can meet the spend threshold to get the welcome bonus and annual fee waiver
You want fuel surcharge savings and personal accident insurance

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For BoB Nainital Bank RENAISSANCE Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

BoB Nainital Bank RENAISSANCE Credit Card Hilights

What do we like about this card?

Joining Benefit: 500 bonus reward points on Rs. 5,000 spend within 60 days
Rewards: 5X points on departmental stores/movies; 1 point per Rs. 100 on other spends
Annual Fee Reversal: Waived on Rs. 25,000 annual spend
Insurance Cover: Air accidental death Rs. 15 lakh; Non-air Rs. 5 lakh
Fuel Benefit: 1% surcharge waiver on fuel (up to Rs. 250/month)

Pros

5X reward points on departmental stores and movies (up to 1,000 points/month)
Unlimited 1 reward point per Rs. 100 on all other spends
500 bonus points on spending Rs. 5,000 within 60 days
Annual fee waived on spending Rs. 25,000
Fuel surcharge waiver of 1% (up to Rs. 250/month)
Personal accidental death cover: Rs. 15 lakh (air) and Rs. 5 lakh (non-air)

Cons

UPI spends do not count toward the joining bonus
Reward points not earned on fuel transactions
Monthly cap on 5X reward points (1,000 points/month)

Bank of Baroda Credit Card Contact Details

Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number

Frequently Asked Questions

Everything you need to know about this credit card

Cardholders get 500 bonus reward points on spending Rs. 5,000 within 60 days of card issuance. (UPI transactions do not count toward this bonus.)

5X reward points on departmental stores and movies, up to 1,000 points per month
1 reward point per Rs. 100 on other spends
UPI transactions earn 1 point per Rs. 100, up to 500 points/month

Yes, the annual fee is waived if you spend Rs. 25,000 or more in a year.

Yes, the card provides a 1% fuel surcharge waiver on transactions between Rs. 400–5,000, up to Rs. 250 per month.

Yes, it includes personal accidental death cover: Rs. 15 lakh for air accidents and Rs. 5 lakh for non-air accidents.

Yes, reward points are not earned on select MCCs and fuel transactions, and UPI spends do not count toward the joining bonus.