Bank of Baroda RENAISSANCE Credit Card: The Bank of Baroda RENAISSANCE Credit Card, the card is in collaboration with the Nainital Bank. This credit card is considered one of the basic credit card, but also one highly rewarding credit card. The credit card comes with amazing offers and benefits in different categories from earning reward point to travel and so on.
Therefore, in this article we are going to see the features and benefits of the Bank of Baroda RENAISSANCE Credit Card and eligibility and how to apply for the same.
Check, Snapdeal Bank of Baroda Credit Card
Contents
1. Bank of Baroda RENAISSANCE Credit Card Features and Benefits
The Bank of Baroda RENAISSANCE Credit Card offers benefits in different categories from reward point to travel and many more.
Here we have mentioned the features and benefits offered by the Bank of Baroda RENAISSANCE Credit Card:
- Reward Points: As reward points, the card offers reward points in different categories such as, on every retail spend of Rs. 100 the cardholders earns 1 Reward point, on selected categories, including departmental stores, groceries, and movies, get 5x Reward Points and for a single billing cycle the limit stands at 1,000 reward points.
- Insurance Benefits: As Insurance Benefits, get an air accidental cover worth Rs. 15 lakhs and also get a non-air accidental death cover worth Rs. 5 lakhs.
- Other Benefits: The Other Benefits offered by the credit card are fuel savings, lounges, and a fee waiver incentive, ensuring every journey and purchase and can enjoy premium experience.
- Fuel Surcharge Waiver: On your fuel transactions greater than Rs. 400 and Rs. 5,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 250 per calendar month.
2. Bank of Baroda RENAISSANCE Credit Card Fees and Charges:
- The Joining fee charges are- NIL.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 250, waived on spending Rs. 25,000 or more in the previous year.
- The Cash withdrawal fee, is 2.5% i.e., Rs. 300 of the withdrawn amount.
- An interest rate of 3.49% per month is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: upto Rs. 100: Rs. 0, From Rs. 101 to Rs. 500: Rs. 100, From Rs. 501 to Rs. 1,000: Rs. 400, From Rs. 1,001 to Rs. 10,000: Rs. 600, From Rs. 10,001 to Rs. 25,000: Rs. 800, Above Rs. 25,000: Rs. 950.
3. Bank of Baroda RENAISSANCE Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for Bank of Baroda RENAISSANCE Credit Card are as follows:
- The age limit for applying for this card is of 21 years of age and above.
- The cardholder should earn either through salary or through self-employed.
- The cardholder should have a good credit history as well.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for Bank of Baroda RENAISSANCE Credit Card:
For Bank of Baroda RENAISSANCE credit card you can apply either online or offline. For offline mode, you can visit your nearest Bank of Baroda branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your Snapdeal Bank of Baroda credit card:
- Step 1: Visit Official website of the Bank of Baroda- cardonline.bobcard.co.in
- Step 2: Click on ‘Card type’ option.
- Step 3: Then, select ‘Credit Card’ option.
- Step 4: Choose the ‘Bank of Baroda RENAISSANCE Credit Card’, under ‘other credit cards’ option.
- Step 5: Click on ‘Apply Now’.
- Step 6: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for Bank of Baroda RENAISSANCE credit card online.
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