BoB Nainital Bank RENAISSANCE Credit Card
Bank of Baroda Bank of Baroda

BoB Nainital Bank RENAISSANCE Credit Card

Joining Fee: 0* Plus Applicable Taxes

Renewal Fee: 250*Plus Applicable Taxes

Joining Fee: 0* + Tax

Renewal Fee: 250* + Tax

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

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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 FeeNil
Annual FeeRs. 250
Finance Charges3.6% 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.)

  1. 5X reward points on departmental stores and movies, up to 1,000 points per month
  2. 1 reward point per Rs. 100 on other spends
  3. 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.

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