Nainital Bank credit cards
1 verified offering. Additional coverage outside the frozen 401-name audit; directory-only.
These are not calculator models. No score, point value or partner alias is imported.
Verified offerings
- Nainital Bank RENAISSANCE BOBCARD
Named cash value, not a net-return model
The named BOBCARD page declares cashback redemption at ₹0.25 per Reward Point. It publishes five Reward Points per ₹100 on departmental stores and movies, and one Reward Point per ₹100 on other eligible spend. These are issuer source facts, not imported point-value models or calculator returns.
The five-times rewards are capped at 1,000 Reward Points per statement; further eligible spend in those categories earns at the regular rate. UPI transactions earn core points only, not bonus rewards. Fuel and select MCCs are excluded from rewards. Five points are not ₹5 cash, and an accelerated headline is not an uncapped cashback rate.
Why scoring remains held
Named current redemption minimums and costs, transaction rounding, cap allocation, category rules and actual account terms still need binding. The product page publishes zero joining fee and ₹250 annual fee with milestone waiver conditions. A denomination alone does not settle the net return after fees and redemption costs. We do not copy a generic BOBCARD model into RENAISSANCE.
Partner and launch evidence
The BOBCARD named page and Bank of Baroda catalogue verify the offering. Nainital Bank's press release records the co-brand launch; that historical event is not proof that every application is open today. The card is described as designed for Nainital Bank customers.
Unpriced, not absent
Welcome points, rewards, fee waivers, fuel surcharge relief and other benefits remain unpriced here. Eligibility, availability and current account terms must be confirmed with the issuer.
Scope and freshness
Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. Full current variant and account rules are needed before scoring.
Issuer sources
Named issuer product and reward terms · Bank of Baroda catalogue · Nainital historical launch record
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