Bank of Baroda is a trusted institution serving millions of satisfied customers across India, recognized for its innovative financial solutions and robust customer service.
What You Need to Know About the Nainital Renaissance BOBCARD
- Annual Fee: ₹250, waived with annual spending of ₹25,000.
- Joining Fee: ₹0.
- Reward Rate: Earn 5X reward points for every ₹100 spent at departmental stores and movies (up to 1,000 points per statement cycle).
- Cashback Value: Redeem points at ₹0.25 per reward point.
Pros
- Enjoy interest-free credit for up to 50 days.
- Convert purchases over ₹2,500 into easy EMIs ranging from 6 to 48 months.
- Benefit from a fuel surcharge waiver of 1% on transactions between ₹400 and ₹5,000 (max ₹250 per statement).
- Receive complimentary insurance coverage, including ₹15 lakh for air accidents and ₹5 lakh for non-air accidents.
- Add up to three lifetime-free supplementary cards for family members.
Cons
- 5X rewards are capped at 1,000 points per statement cycle.
- No reward points on fuel transactions.
Why Choose the Bob Renaissance Credit Card?
Compared to other cards in its class, the Bob Renaissance Credit Card stands out for its combination of affordability, rewards, and benefits. For instance:
- HDFC Millennia Card offers 5% cashback but has higher joining and renewal fees.
- ICICI Coral Credit Card provides limited rewards and no fee waivers based on spending.
- SBI SimplyCLICK Card has similar rewards but lacks a comprehensive insurance cover.
- Axis My Zone Card focuses on entertainment rewards but doesn’t offer cashback redemption.
- IndusInd Platinum Aura Edge Card requires a higher income threshold for application.
Get to Know Bob Renaissance Credit Card Better
How to Apply for Your Bob Renaissance Credit Card
Applying is quick and hassle-free! Complete the online application, e-sign using Aadhaar, and verify your identity through video KYC. Don’t wait—apply now and start enjoying the benefits today.