BOB Renaissance RUPAY Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹250
₹0
3.5%
No lounge access
Contents
BOB Renaissance RUPAY Credit Card is a co-branded rewards credit card for Nainital Bank customers, issued by BOBCARD (Bank of Baroda). It is designed for everyday grocery, departmental store and movie spends, with 5X accelerated reward points in key categories and easy cashback redemption. With zero joining fee, low annual fee and simple milestone-based fee waiver, it suits beginners looking for a low-cost, rewards-focused RuPay credit card that also supports UPI payments.
Features of BOB Renaissance RUPAY Credit Card which makes it unique
5X Rewards on Daily Spends
Higher rewards on departmental store and movie spends help maximise savings on everyday lifestyle expenses.
Faster reward accumulation compared to plain vanilla entry-level cards.
Stronger accelerated rewards than many basic RuPay rewards credit cards.
Simple Cashback-style Redemption
All accumulated reward points can be redeemed directly as cashback against the statement.
No complex catalog; 1 reward point equals ₹0.25 cashback credited to the card account.
More transparent reward value than many catalog-based programs.
RuPay UPI Compatibility
Link the RuPay credit card to UPI apps and earn reward points on eligible UPI merchant payments.
Use a single card for both offline POS and online UPI spends while continuing to earn rewards.
Ideal for users who prefer UPI but still want credit card rewards.
Rewards Structure of BOB Renaissance RUPAY Credit Card
Departmental Stores
acceleratedEligible departmental store spends as per merchant category codes
Spends beyond the monthly cap earn base rewards. Reward program not applicable on select MCCs and fuel.
Movies
acceleratedMovie ticket purchases at eligible merchants
Beyond the cap, movie spends earn 2 points/₹100 as base rewards.
Other Retail Spends
baseAll other eligible retail transactions except excluded categories like fuel, cash advances, wallet loads and fees
Reward earn rate and exclusions are subject to change as per BOBCARD Reward Points Terms & Conditions.
UPI Transactions
baseRuPay credit card linked to UPI for merchant payments
UPI transactions are eligible only for core reward points and do not qualify for bonus or accelerated rewards.
Milestones of BOB Renaissance RUPAY Credit Card
Annual Fee Waiver Milestone
₹25,000 in a card anniversary year : Reversal of annual fee of ₹250 in the next statement if criteria are met and account is non-delinquent
Fees & Charges of BOB Renaissance RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹250 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹250 is reversed on achieving ₹25,000 annual retail spends in the previous year.
Fee Explanation Fees and charges are as per the latest BOBCARD schedule; forex markup is typically 3.5% on most cards and cash advances attract 2.5% of the amount withdrawn (subject to a minimum amount) plus finance charges.
Detailed Explanation of BOB Renaissance RUPAY Credit Card Fees
Annual Fee: 250 (yearly)
Waived on ₹25,000 retail spends in the previous card year
Cash Advance Fee: 2.5% (transaction)
Subject to minimum amount as per BOBCARD schedule of charges
Forex Markup Fee: 3.5% (transaction)
Standard forex markup on most BOBCARD credit cards
Insurance Coverage with BOB Renaissance RUPAY Credit Card
Personal Accident – Air Travel
₹15,00,000Complimentary cover for primary cardholder against accidental death during air travel as per BOBCARD insurance policy terms.
Personal Accident – Non-Air
₹5,00,000Complimentary cover for primary cardholder against accidental death in non-air accidents as per policy terms.
Additional Features of BOB Renaissance RUPAY Credit Card
Free Add-on Cards
Up to three lifetime free add-on credit cards for eligible family members aged 18 years and above.
Available for spouse, parents, siblings or adult children, subject to issuer policies.
Interest-free Credit Period
Up to 50 days of interest-free credit on retail purchases.
Applicable only when previous statement dues are paid in full by the due date.
Revolving Credit Facility
Option to pay only the Minimum Amount Due and revolve the remaining balance.
Revolving balance attracts finance charges as per the MITC until fully repaid.
Zero Liability on Lost Card
Protection against fraudulent transactions after timely reporting of loss.
Cardholder must immediately report card loss to the BOBCARD helpline; liability conditions apply as per MITC.
Smart EMI
Convert eligible purchases of ₹2,500 or more into EMIs for 6 to 48 months.
Tenure options and interest rates as per BOBCARD Smart EMI program terms.
Welcome Bonus with BOB Renaissance RUPAY Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Spend ₹5,000 within 60 days of card issuance to receive 500 bonus reward points. Offer applicable once per primary cardholder.
Application Process for BOB Renaissance RUPAY Credit Card
Processing Time
Online application in 3 simple steps with Video KYC; physical card typically dispatched within 3–7 business days after final approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Fill the online application form on the BOBCARD website or via Nainital Bank channel.
Complete e-signing using Aadhaar-based OTP as prompted.
Finish Video KYC and submit mandatory KYC and income documents.
On approval, the physical card is printed and dispatched to your registered address.
Required Documents for BOB Renaissance RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Photograph
allAccepted documents:
BOB Renaissance RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at RuPay-enabled POS terminals and online payment gateways.
International Acceptance
Accepted at select international merchants that support RuPay; international acceptance is still more limited than Visa or Mastercard.
Online Acceptance
Supports online payments on major Indian e-commerce platforms and billers that accept RuPay cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Renaissance RUPAY Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident customers of Nainital Bank and Bank of Baroda, subject to issuer approval.
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with a stable income, valid PAN and Aadhaar, and a satisfactory credit profile as per BOBCARD policies.
How Approval Is Decided
- Indian resident customer of Nainital Bank or Bank of Baroda.
- Age between 21 and 60 years for salaried applicants; 24 to 65 years for self-employed, as per BOBCARD policy.
- Stable income meeting the minimum criteria and verifiable through bank statements or income documents.
- Clean credit history with credit score of around 700 or higher and no recent major delinquencies.
Pros of BOB Renaissance RUPAY Credit Card
- Good rewards rate on key lifestyle categories like departmental stores and movies.
- Low annual fee that can be easily waived with modest yearly spends.
- Reward points redeemable as straightforward cashback to the statement.
- RuPay UPI compatibility for those who prefer paying via UPI.
- Complimentary personal accident insurance cover.
Cons of BOB Renaissance RUPAY Credit Card
- No complimentary airport lounge access benefits.
- Fuel transactions do not earn reward points despite surcharge waiver.
- Reward program caps accelerated points to 1,000 per statement cycle.
- Forex markup fee is standard and not optimised for heavy international travellers.
Frequently Asked Questions about BOB Renaissance RUPAY Credit Card
Is there any joining fee on the BOB Renaissance RuPay Credit Card?
No, there is zero joining fee on the BOB Renaissance RuPay Credit Card; only an annual fee of ₹250 is charged from the second year onwards.
How can I get the annual fee on this card waived?
Spend at least ₹25,000 in a card anniversary year and ensure your account is not delinquent; the ₹250 annual fee is then reversed in your next statement.
What reward rate do I get on my everyday spends?
You earn 10 reward points per ₹100 on departmental store and movie spends (5X rewards, up to 1,000 accelerated points per statement cycle) and 2 reward points per ₹100 on other eligible retail spends. UPI transactions using this RuPay credit card earn 1 reward point per ₹100, capped at 500 points per statement cycle.
How much are the reward points worth and how do I redeem them?
Each reward point is typically worth ₹0.25 when redeemed as cashback to your card statement. You can place redemption requests through the BOBCARD portal or app once you reach the minimum points required for redemption.
Does the BOB Renaissance RuPay Credit Card offer fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, subject to a maximum waiver of ₹250 per statement cycle. Note that fuel transactions do not earn reward points.
Is there any airport lounge access on this card?
No, the BOB Renaissance RuPay Credit Card does not come with complimentary airport lounge access; it is positioned as a low-fee, rewards-focused credit card instead.
Who should consider applying for the BOB Renaissance RuPay Credit Card?
This card is best suited for Nainital Bank and Bank of Baroda customers who want a low-cost starter credit card, frequently spend on departmental stores and movies, prefer RuPay and UPI payments, and want straightforward cashback-style rewards.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.