All cards / Bank of Baroda
Nainital Bank RENAISSANCE BOBCARD Credit Card
A basic co-branded card BOBCARD issues to customers of Nainital Bank (a Bank of Baroda subsidiary). The ₹250 annual fee is waived on ₹25,000 yearly spend; rewards are modest at 0.25% base and 1.25% on departmental stores and movies.
Annual fee
₹250
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 5 reward points per ₹100 on movies and departmental stores (max 1,000 bonus points per statement)
- Rewards rate: 0.25% base rate
- Reward redemption: Cashback at 1 point = ₹0.25
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver up to ₹250 per statement
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,000
- Foreign currency markup: 3.5%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400–₹5,000, up to ₹250 per statement cycle (fuel earns no points)
- Cash advance charges: 2.5% of the amount withdrawn or ₹500, whichever is higher; interest from the date of withdrawal
Benefits
- 500 reward points on ₹5,000 spend within 60 days of issuance
- 5 points per ₹100 on departmental stores and movies, 1 point per ₹100 on other spends
- 1% fuel surcharge waiver up to ₹250 per statement
Pros
- + Very low ₹250 fee, waived on ₹25,000 annual spend
- + Up to 3 lifetime-free add-on cards
- + Fuel surcharge waiver up to ₹250 a cycle
Cons
- − Only for Nainital Bank customers
- − Low 0.25% base reward rate
- − No lounge access; 3.5% forex markup