BoB Nainital Bank Renaissance Credit Card: Features & Benefits

Summary

The BoB Nainital Bank Renaissance Credit Card is a high-end credit card for those seeking high rewards, travel privileges, and safe transactions. It provides 5X reward points on dining, travel, and online purchases, while other retail purchases are rewarded 2X reward points. The points may be redeemed for shopping, travel reservations, or as statement credit, where 1 reward point = ₹0.25.

The new cardholders are offered a welcome present of 1,000 reward points on spends of ₹5,000 within the first 60 days. The card offers a 50-day interest-free period, which can be useful for bill payments. While traveling, it offers free lounge access at certain airports, which can be useful for travel.

The contactless payment feature is fast and secure, and the EMV chip adds a layer of security. The second big advantage is the exemption of the 1% fuel surcharge on transactions of between ₹400 and ₹5,000 up to ₹250 per month.

Introduction

Bank of Baroda and Nainital Bank have come together to launch a special credit card known as the ‘Nainital Bank Credit Card’. Nainital Bank Credit Card is specially designed for those who are looking for financial freedom and convenience. The main objective of Nainital Bank Credit Card is to provide customers not only with easy credit facilities but also to help them manage their daily expenses in a better way.

Using the Nainital Bank Credit Card, customers can get great rewards and cashback on various shopping, travel, dining, and online shopping. Along with this, cardholders also get many other facilities like free airport lounge access, zero fuel surcharge, and easy EMI option, which make it different from other credit cards.

Apart from this, the  Nainital Bank Credit Card is also great in terms of security. In this, you get RFID-blocking technology and OTP-based security, which keeps you safe from online fraud. Cardholders can get information about Nainital Bank Credit Card from the branches of Bank of Baroda and Nainital Bank across the country and can apply for it easily.

In today’s article, we will discuss in detail about Nainital Bank Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Nainital Bank Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.

What is the BoB Nainital Bank Renaissance Credit Card?

Bank of Baroda and Nainital Bank jointly launched a special credit card called the ‘Nainital Bank Credit Card’. Nainital Bank Credit Card offers the customer great rewards and convenience for his/her spending on a day-to-day basis. With the Nainital Bank Credit Card, you can receive great cashback and reward points for shopping, traveling, eating out, and internet transactions.

Apart from this, it also offers other facilities like an airport lounge facility, exemption of fuel surcharge, and easy EMI facility. Nainital Bank Credit Card is also backed by advanced technology in security aspects, which ensures that your transactions are completely secure.

What is the design of the BoB Nainital Bank Renaissance Credit Card?

BoB Nainital Bank Renaissance Credit Card is designed smartly with an elegant and sophisticated appearance. A chic, modern appearance with blue dark, and silver colors, so it is a high-end card. It has the Bank of Baroda (BoB) and Nainital Bank logos and hence, it is a brand name card.

It also comes with an EMV chip for secure payments and a contactless payment symbol, so tap-and-pay is easy. The overall look oozes sophistication and individuality, so anyone who desires security and style will love it.

What are the benefits of the BoB Nainital Bank Renaissance Credit Card?

These are the most important benefits of actual reward points:

1. Reward Points on All Spend

• 5X Reward Points on dining, travel, and internet spending.

• 2X Reward Points on all other retail spend.

• 1 Reward Point = ₹0.25, use them then for shopping, travel, or statement credit.

2. Welcome Rewards

• 1,000 bonus reward points for spending ₹5,000 in 60 days.

• 3. Contactless & Secure Transactions

• Tap-and-pay facility for simple and secure payment.

• EMV chip for extra security.

4. Waiver of Fuel Surcharge

• 1% fuel surcharge waiver between ₹400 to ₹5,000 (max. waiver of ₹250/month).

5. Access to Lounge

• Free lounge access at the airport (limited access/year).

6. Interest-Free Period

• Interest-free credit of 50 days on purchases.

What are the BoB Nainital Bank Renaissance Credit Card fees?

Here is a simple BoB Nainital Bank Renaissance Credit Card fee breakup.

Joining Fee	₹249 + GST (one-time fee when you get the card).
Annual Fee	₹249 = GST per year. This will be waived if you spend ₹20,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BoB Nainital Bank Renaissance Credit Card?

The following are the primary requirements:

1. To apply for the BoB Nainital Bank Renaissance Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 50,000 usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a BoB Nainital Bank Renaissance Credit Card?

The documents that you will have to submit to Getana BoB Nainital Bank Renaissance Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BoB Nainital Bank Renaissance Credit Card be used?

Here is the list of places where you can use it:

• With the BoB Nainital Bank Renaissance Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your BoB Nainital Bank Renaissance Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BoB Nainital Bank Renaissance Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BoB Nainital Bank Renaissance Credit Card?

The credit amount you can spend is what you are provided with a BoB Nainital Bank Renaissance Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a BoB Nainital Bank Renaissance Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the BoB Nainital Bank Renaissance Credit Card.

• Just hover your cursor on the BoB Nainital Bank Renaissance Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the BoB Nainital Bank Renaissance Credit Card.

• Request for the credit card application form for the BoB Nainital Bank Renaissance Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the BoB Nainital Bank Renaissance Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a BoB Nainital Bank Renaissance Credit Card in 2025 be right?

Yes, getting aaBoB Nainital Bank Renaissance Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Briefly speaking, the Bank of Baroda Nainital Bank Credit Card is ideal for a person seeking a total package of benefits under one card. Nainital Bank Credit Card not only shines in reward and cashback on shopping, travel, and routine expenses but also provides you with an extra layer of protection and convenience. Facilities like access to the airport lounge, exemption of fuel surcharge, and easy EMI facilities add to its excellence.

Nainital Bank Credit Card is most suitable for those who want to handle money efficiently and avail additional facilities for saving on expenditure. Further, the reliable services and security features of Bank of Baroda and Nainital Bank make it even more reliable.

So if you are looking for a credit card that would better manage your day-to-day expenses and serve you with varying advantages, the Bank of Baroda Nainital Bank Nainital Bank Credit Card can surely prove to be an ideal solution. With it, you could not only bask in financial independence but better take care of your expenses too.

Frequently Asked Questions (FAQs)