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
Bank of Baroda
Fuel
Insurance Benefits
Reward Points
