Nainital RENAISSANCE BOBCARD Credit Card: Features

Summary

All things considered, the Nainital RENAISSANCE BOBCARD Credit Card is a beautifully built credit card with the perfect mix of simplicity, perks, and pricing. Supported by The Nainital Bank and Bank of Baroda, this card uses technology and trust to allow more fulfilling daily spending.

First of all, the card offers reward points on every ₹100 purchase you make for presents, coupons, and other purposes. This makes every transaction useful as well as logical. Moreover, it comes with zero joining fees; if you spend ₹15,000 or more in a year, the annual price is waived, so it is a reasonable choice for all kinds of consumers.

Apart from this, the card provides a waiver of a petrol surcharge on purchases between 400 and 5,000 so helping you to save regular petrol costs. Moreover, you can put large purchases into EMIs, therefore managing extra expenses free from financial concern.

Introduction

In the fast-paced world of today, having a credit card is not just a luxury but also a sensible financial tool with simplicity, flexibility, and rewards. Among the various options available on the market, the Nainital RENAISSANCE BOBCARD Credit Card stands out for its particular features and customer-friendly benefits. Aiming to give customers who value both savings and lifestyle benefits a perfect and gratifying experience, the Bank of Baroda presents this credit card in cooperation with The Nainital Bank.

First of all, the Nainital RENAISSANCE BOBCARD is particularly designed for people looking for a combination of prudent savings and maximum perks. Whether you’re vacationing, eating, or shopping, this card allows you to earn reward points on every transaction. Using these reward points over time for amazing vouchers or presents will help you to value your purchases more.

For many, the card is also a reasonably priced option since it comes with zero membership fees and an appealing annual fee exemption. This card also allows contactless payments, ensuring a quick and safe experience at businesses and outlets.

One of the most amazing features of this credit card moving forward is its E MI conversion tool. This implies that you can create easy monthly installments from a large purchase you make using your Nainital RENAISSANCE BOBCARD. This is quite useful when looking for pricey items like furniture or gadgets, or during festive seasons. Access to various special BOBCARD bargains on travel bookings, hotel stays, and online buying sites adds still another incentive for swiping your card.

What is the Nainital RENAISSANCE BOBCARD Credit Card?

The RENAISSANCE of Nainital, launched in association with The Nainital Bank, Bank of Baroda, developed a unique credit card called BOBCARD. Its goal is to provide a seamless and fulfilling daily spending experience. Users of this card can take advantage of a lot of advantages, including EMI facility, contactless purchases, reward points, and fuel surcharge waiver.

Furthermore, the card is quite accepted at both domestic and foreign stores, which makes it helpful for local and worldwide purchases. The fact that this card comes with zero joining costs and that, should you use it often, the annual charge will be waived, makes it one of the nicest aspects about it.

How is the design of the Nainital RENAISSANCE BOBCARD Credit Card?

The Nainital RENAISSANCE Credit Card’s design finds a great mix between modernism and elegance. First, the card looks smart, upscale right away with its sleek, dark blue backdrop and subdued silver gradient.

Furthermore, if you examine closely, you will find the EMV chip buried on the front that not only improves security but also gives the card a more premium feel.

What are the benefits of the Nainital RENAISSANCE BOBCARD Credit Card?

Let’s start with the main advantages expressed simply:

1. Point rewards for every expenditure.

Every ₹100 spent on qualified transactions counts as one reward point. Later on, these points can be exchanged for fantastic discounts, certificates, or goods and services, thereby helping you to save more as you make purchases.

2. Zero Joining Charges

For first-time cardholders, this card’s lack of a joining fee makes it an appealing choice since it fits their budget.

3. Wave annual fee

Should you spend ₹15,000 or more annually using the card, the yearly cost of ₹250 is waived. This motivates you to use the card actively, free from concern for maintenance expenses.

4. Surcharge Waiver for Fuel

For purchases between ₹400 and ₹5,000, you receive a 1% fuel surcharge waiver at petrol stations throughout India. On fuel costs, you might save up to ₹250 every month.

5. E-media facility

Large purchases, nnotbad. Big ticket transactions might be easily EMIs. This makes the card useful in holidays, weddings, or crises.

6. Contactless Payments

For amounts up to ₹5,000, the card offers NFC/contactless payment, meaning you may merely tap and pay at authorised terminals without swiping or entering. It’s practical, quick, and safe.

7. Safe Interactions

Your card purchases are safe and guarded against fraud with an EMV chip and OTP-based verification.

What are the fees for the Nainital RENAISSANCE BOBCARD Credit Card?

Here is a simple breakdown of the  Nainital RENAISSANCE BOBCARD Credit Card fee.

Joining Fee	Nil
Annual Fee	₹250 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.49% per month (41.88 % annually) is applied to 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Nainital RENAISSANCE BOBCARD Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Nainital RENAISSANCE BOBCARD Credit Card?

The documents that you will have to submit to get the Nainital RENAISSANCE BOBCARD Credit Card are as follows:

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 employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Nainital RENAISSANCE BOBCARD Credit Card be used?

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

• With the Nainital RENAISSANCE BOBCARD 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 and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• 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 and 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  Nainital RENAISSANCE BOBCARD Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The Nainital RENAISSANCE BOBCARD Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Nainital RENAISSANCE BOBCARD Credit Card?

The credit amount you can spend is what you are provided with when you have a Nainital RENAISSANCE BOBCARD 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 Nainital RENAISSANCE BOBCARD 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 Bank of Baroda; for instance, you can choose the Nainital RENAISSANCE BOBCARD Credit Card.

• Simply hover your cursor over the Nainital RENAISSANCE BOBCARD Credit Card and select ‘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 you submit 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 Nainital RENAISSANCE BOBCARD Credit Card.

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

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

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

• 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  Nainital RENAISSANCE BOBCARD Credit Card by post at the same postal address.

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

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

Would getting a Nainital RENAISSANCE BOBCARD Credit Card in 2025 be the right choice?

Obtaining the Nainital RENAISSANCE BOBCARD Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

Bank of Baroda is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure 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 perfect option in 2025.

Conclusion

In the end, the smart and reliable Nainital RENAISSANCE BOBCARD Credit Card is the one anyone desiring to take advantage of the benefits of a modern credit card without paying too much should choose. From fuel fee exemptions to reward points on every purchase, this card offers a broad range of options to maximise everyday benefits and ease regular transactions.

Small company owners, salaried workers, and students in general also find it a low-cost solution with zero joining expenses and the choice of an annual fee waiver. The E MI tool also allows you to search for large items free from imminent payment concerns. During holidays, weddings, or crises when spending is high, this is beneficial.

Apart from that, the card allows contactless payments, which saves time and provides another degree of security. Moreover, the smart and businesslike style of the card gives it a premium appearance even at a reasonable cost.

Frequently Asked Questions (FAQ’s)