What is the annual fee for Nainital Bank RENAISSANCE BOBCARD?

The annual fee is ₹250, but it's waived if you spend ₹30,000 or more in a year. Since there's no joining fee, you can evaluate the card risk-free in your first year.

How to apply for Nainital Bank RENAISSANCE BOBCARD?

You can apply directly through Bank of Baroda's website or visit a branch. As a co-branded card with Nainital Bank, eligibility and application process may vary — check the issuer's portal for current application links and requirements.

What rewards does Nainital Bank RENAISSANCE BOBCARD offer?

You earn 1 reward point per ₹100 spent on all purchases. New cardholders get 500 bonus points (worth ₹125) on minimum spend of ₹5,000 within 60 days of card issuance.

What are the eligibility criteria for Nainital Bank RENAISSANCE BOBCARD?

Specific eligibility criteria are not detailed in available information. Standard credit card requirements from Bank of Baroda typically apply — visit their website or contact the bank directly for income, age, and credit score requirements.

Does Nainital Bank RENAISSANCE BOBCARD offer airport lounge access?

Airport lounge benefits are not mentioned for this entry-level card. The focus is on shopping rewards rather than travel perks.

Is Nainital Bank RENAISSANCE BOBCARD worth it?

It's worthwhile if you spend ₹30K+ annually to waive the fee and want straightforward 1% rewards on shopping. The zero joining fee makes it low-risk to test. However, if you need travel benefits or higher reward rates, consider premium alternatives.

Credit Cards

ShoppingEntryMastercard✦ Nainital Bank

Nainital Bank RENAISSANCE BOBCARD

Budget shopping rewards with zero joining cost

Annual fee₹250Waived on ₹0.3L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

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Welcome benefits

worth ₹125

500 Reward Points on spend of ₹5,000 within 60 days

Type: Reward Points
Trigger: Spend ₹5,000 within 60 days

Rewards

Base earn rate

1 Reward Point for every ₹100 spent on others

Excludes: Fuel

Category	Rate	Cap
Departmental Stores	—	—
Movies	—	—

Redemption value

cashback: ₹0.25/pt

Milestone benefits

Threshold —(annual)→ Annual fee waiver of ₹250

Fees & charges

Joining fee: Zero Joining Fee
Annual / renewal fee: ₹250 Annual Fee
Annual fee waiver: Spend ₹25,000 annually for reversal of annual fees of ₹250
Add-on card fee: Get up to three lifetime free add-on cards
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25