Bank of Baroda RENAISSANCE Credit Card

Bank of Baroda, in partnership with Nainital Bank, presents the BoB Renaissance Credit Card—an uncomplicated yet highly lucrative offering. Enjoy a zero joining fee and a modest Rs. 250 annual fee, easily waived with the minimum required spend. Earn up to 5 Reward Points per Rs. 100 spent, providing savings across various expenses. Redeem rewards for cashback at an attractive rate. Benefit from exclusive privileges in insurance, fuel, and more across diverse categories. Elevate your financial experience with this rewarding credit card.

Key Highlights of Bank of Baroda RENAISSANCE Credit Card

Unlock unparalleled benefits with the Bank of Baroda RENAISSANCE Credit Card.

  1. Earn 5X Reward Points (5 points per ₹100) on Grocery, Departmental stores, and Movies.
  2. Get 1 Reward Point for every ₹100 spent on other categories.
  3. Enjoy a Fuel Surcharge Waiver on transactions.
  4. Benefit from a card with no joining fee.
  5. Experience zero annual fees based on card usage.

Features and Benefits of Bank of Baroda RENAISSANCE Credit Card

The Bank of Baroda RENAISSANCE Credit Card offers several features and benefits:

1. 5X Rewards on Daily Expenses:

  • Earn 5 reward points for every ₹100 spent on Grocery, Departmental stores, and Movies.

2. Fuel Surcharge Waiver:

  • Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India (Max. ₹250 per statement cycle).
  • Note: No Reward Points are earned on fuel transactions.

3. Make RENAISSANCE Lifetime Free:

  • Spend ₹25,000 every anniversary year for the reversal/waiver of annual fees of ₹250.

4. Multiple Redemption Options:

  • Redeem reward points as cashback or explore other exciting options.

5. Easy EMI Option:

  • Convert purchases of > ₹2,500 on your card into easy EMIs of 6/36 months.

6. Free Add-On Card:

  • Obtain up to 3 lifetime free add-on cards for your spouse, parents, siblings, or kids (above age 18).

7. Complimentary Insurance Cover:

  • Enjoy free Personal Accidental Death Cover for financial protection:
  • Air: ₹15 Lakhs
  • Non-Air: ₹5 Lakhs.

8. Zero Liability on Lost Card:

  • Report the loss of your card immediately for zero liability on any fraudulent transactions.

9. Interest-Free Credit Facility:

  • Avail up to 50 days of interest-free credit from the date of any purchase.

10. Revolving Credit Facility:

  • Pay the Minimum Amount Due and finance your spends as per your convenience.

Bank of Baroda RENAISSANCE Credit Card Fees and Charges

Explore the fee structure for the Bank of Baroda RENAISSANCE Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: None
  2. Renewal Fee: Rs. 250
  3. Spend Based Waiver: Renewal fee waived on spending Rs. 25,000 or more in the previous year.
  4. Rewards Redemption Fee: None
  5. Foreign Currency Markup: 3.5% of the transaction amount
  6. Interest Rates: 3.49% per month
  7. Fuel Surcharge: 1% waiver on fuel transactions between Rs. 400 and Rs. 5,000
  8. Cash Advance Charges: 2.5% of cash amount (min. Rs. 300), 3% at international ATMs.

Eligibility Criteria for Bank of Baroda RENAISSANCE Credit Card

Here are essential criteria for applying for an Bank of Baroda RENAISSANCE Credit Card:

  1. Minimum age for the applicant: 21 years.
  2. Add-on cardholders must be above 18 years.
  3. Stable monthly income is a requirement.
  4. Decent credit history is essential for eligibility.

Documents Required for Bank of Baroda RENAISSANCE Credit Card

To apply for the Bank of Baroda RENAISSANCE Credit Card, you will typically need to provide the following documents:

  1. Present an identity proof like Aadhar Card, Voter’s ID, PAN Card, or Passport.
  2. Provide an address proof such as the latest utility bills, Driving License, or Aadhar Card.
  3. Include income proof with either the latest salary slips or the most recent audited Income Tax Return (ITR).

How to apply for Bank of Baroda RENAISSANCE Credit Card

Follow these steps to apply for the Bank of Baroda RENAISSANCE Credit Card online:

  1. Navigate to the official website of Bob Financial.
  2. Explore the BoB Renaissance section.
  3. Select ‘Apply Now’ to initiate the application process.
  4. Provide all necessary information in the designated fields.
  5. Fulfill all formalities outlined in the application.
  6. Submit the completed form to finalize your application.

Frequently Asked Questions (FAQs)

1. What is the Bank of Baroda RENAISSANCE Credit Card?
The Bank of Baroda RENAISSANCE Credit Card is a credit card offered by Bank of Baroda that provides a range of benefits and features, including rewards, discounts, and exclusive privileges for cardholders.

2. How can I apply for the Bank of Baroda RENAISSANCE Credit Card?
You can apply for the RENAISSANCE Credit Card online through the Bank of Baroda official website or by visiting a Bank of Baroda branch. The application process typically involves submitting personal and financial details, and the bank will review your application before approving or declining it.

3. What are the eligibility criteria for the RENAISSANCE Credit Card?
Eligibility criteria may vary, but generally, applicants should meet certain age requirements, have a stable source of income, and a good credit score. Specific criteria can be obtained from the Bank of Baroda website or by contacting their customer service.

4. What are the annual fees and charges associated with the RENAISSANCE Credit Card?
Details regarding annual fees, joining fees, and other charges can be found in the terms and conditions provided by Bank of Baroda. It is recommended to review the fees and charges before applying for the credit card.

5. What are the reward points and benefits offered by the RENAISSANCE Credit Card?
The RENAISSANCE Credit Card offers various reward points and benefits, including cashback, discounts on dining, shopping, and travel-related expenses. The specific details of rewards and benefits can be found in the credit card’s terms and conditions.

6. How can I redeem the reward points earned with the RENAISSANCE Credit Card?
Bank of Baroda usually provides a redemption portal or process where cardholders can redeem their accumulated reward points. This information is typically available on the bank’s website or can be obtained by contacting customer support.

7. Is there a grace period for the RENAISSANCE Credit Card bill payment?
Bank of Baroda generally provides a grace period for credit card bill payments. It is advisable to check the billing cycle and due date mentioned in the credit card statement to avoid any late payment charges.

8. How can I check the balance on my RENAISSANCE Credit Card?
Cardholders can check their credit card balance through the Bank of Baroda internet banking portal, mobile banking app, or by contacting the customer service helpline. Additionally, monthly statements provide a detailed overview of the credit card transactions and outstanding balance.

9. Can I get an additional credit limit on my RENAISSANCE Credit Card?
Bank of Baroda may consider increasing the credit limit based on the cardholder’s financial profile and credit history. Cardholders can contact the bank’s customer service to inquire about the process for requesting a credit limit increase.

10. What should I do if my RENAISSANCE Credit Card is lost or stolen?
In case of a lost or stolen credit card, it is crucial to immediately report it to Bank of Baroda’s customer service. The bank will then guide you through the necessary steps to block the card and issue a replacement.