BoB Nainital Bank RENAISSANCE Card

The Bottom Line

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.

BoB Nainital Bank Renaissance Credit Card

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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		₹25,000
Income Criteria	Salaried	N/A
Income Criteria	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