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BoB Nainital Bank RENAISSANCE Card

by Kshitiz V Sharma on

The Bottom Line

BoB Nainital Bank RENAISSANCE Card
Low Fee, Lower Rewards

5 reward points / ₹100 on grocery, departmental store & entertainment with a cap of 1,000 points p.m. and 1 point on all other spending.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 0.5% 0.6% 0.5% 0.5% 0.4%
Est. Monthly Reward (₹) 25 55 105 235 420
All-India Rewards Rank* 75 122 181 265 292
Within Bank Rank* 9 10 13 16 16
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The BoB Nainital Bank RENAISSANCE Card gives 1.25% effective reward on  grocery, departmental store & entertainment and 0.25% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.4-0.6% on all spending with this card in a month.

The Snapdeal BoB Credit Card  is the best card for most Bank of Baroda Card customers. It gives effective rewards of 5% for all purchases on the Snapdeal website & app  and also gives 2.5% effective rewards on grocery and shopping.

We estimate this card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card BoB Nainital Bank RENAISSANCE Card
Card Type Reward
Reward Features 5 Reward Points / ₹100 on:
– Dining
– Departmental Store
– Movies

1 Reward Points / ₹100 on all other spends

Milestone Rewards Nil
Other Rewards Nil
Rewards Redemption Fee Nil
Reward Caps 1,000 reward points p.m. on Grocery, Departmental store & Movies
Preferred Redemption Method Cashback against statement balance

1RP = ₹0.25

Fees & Charges

Card BoB Nainital Bank RENAISSANCE Card
Joining Fee Nil
Annual Fee ₹250 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 41.88% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹300

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