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.
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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 |
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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
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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.
