A premium lifestyle card designed for travel, shopping, and everyday rewards
1% on ₹400-₹5,000 transactions (max ₹250/statement cycle)
5 RP per ₹100 on departmental stores & movies; 1 RP per ₹100 on other spends
500 reward points on ₹5,000 spends within 60 days
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| Benefit | Details |
|---|---|
| Exclusive Online Rewards | Earn 5X reward points (10 points per ₹100) on departmental store and movie spends, and 1 point per ₹100 on all other eligible purchases. |
| Welcome Gift | Get 500 bonus reward points on spending ₹5,000 within the first 60 days of card issuance. |
| Milestone Benefits | Annual fee waiver on total spends of ₹25,000 or more in the previous year. |
| Low Annual Fee | ₹250 + GST; effectively free when annual spend threshold is met. |
| Fuel Surcharge Waiver | 1% waiver on fuel spends between ₹400–₹5,000, capped at ₹250 per statement cycle. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda in collaboration with Nainital Bank |
| Bank / Non-bank | Bank |
| Category | Rewards / Lifestyle |
| Type of Card | RuPay |
| Free or Paid | Paid (₹250 + GST annual fee, waived on ₹25,000 annual spend) |
The BOB Nainital Bank Renaissance Credit Card is suitable for someone who wants a low-maintenance rewards card with a modest annual fee that can be waived, decent reward rates on everyday categories (departmental stores/movies), plus added benefits like fuel surcharge waiver and accident cover.
Reward points of 5x in chosen categories and 1x elsewhere
Annual fee waiver on moderate spend, making it almost free
Fuel surcharge waiver adds value for fuel users
Basic insurance cover adds safety
10X Reward Points: Earn accelerated 10X reward points on online purchases made through select partners.
5X Reward Points: Get 5X reward points on all other online transactions.
1X Reward Point: Earn 1 reward point per ₹100 spent on offline transactions.
Redeem your collected reward points for a range of exciting options, including: Gift Vouchers from popular brands, Airline Miles with select partner airlines, Statement Credit to reduce your outstanding balance.
Receive a ₹500 Amazon.in gift voucher upon successful payment of the joining fee.
Voucher validity: 12 months from the date of issue.
On annual spends of ₹1 lakh, get a ₹2,000 Cleartrip or Yatra e-voucher.
On annual spends of ₹2 lakh, receive an additional ₹2,000 e-voucher.
1% waiver on fuel transactions between ₹500 and ₹3,000.
Maximum benefit: ₹100 per billing cycle.
Disclaimer: Card benefits, eligibility, and terms are subject to periodic revision by the issuer. Always verify current details with the official source before applying or making decisions.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Nil | No upfront fee. |
| Annual Fee | Rs. 250 | Charged every year. Waived if spends in previous year ≥ ₹25,000. |
| Late Payment Charges | ₹100 to ₹1,300 | Depending on outstanding balance - Standard late fee slab. |
| Fuel Surcharge | 1% on ₹400-₹5,000 fuel spends | Maximum waiver ₹250 per statement - Helps reduce cost of fuel purchases. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Typically 21 to 60 years (Primary) |
Age (Self-Employed Individuals) | Typically 24 to 65 years (Primary) |
Age (Retired Pensioners) | Above 40 years |
Maximum Age | Varies by category |
Occupation | Salaried / Self-Employed |
Other Criteria | Regular source of income, good credit score, valid PAN card, valid Aadhaar card or any government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar, Passport, Driving Licence |
| Address Proof | Aadhaar, Voter ID, Passport, Driving Licence, Job Card |
| Income Proof | Salary slip/latest bank statement (for salaried) or business proof (for self-employed) |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your BOB Nainital Bank Renaissance Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Rewards | Use the card at departmental stores and for movies to earn 5 points per ₹100 up to cap. |
Use it for Everyday Spends | Earn base 1 point per ₹100 on all other eligible spends outside select categories. |
Utilise Fuel Surcharge Waiver | Pay at fuel stations between ₹400-₹5,000 using the card to get 1% surcharge waiver (max ₹250). |
Add On Cards for Family | Add spouse/parents/siblings for free (up to three lifetime free add-ons). |
Set Up Alerts | Enable transaction alerts to stay informed about your spending and reward accumulation. |
The BOB Nainital Bank Renaissance Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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