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    Bank of India Credit Card Bill Payment

    Bank of India offers a range of credit cards, each carefully designed to offer the best benefits. To make things more convenient for the customers, BOI has an online portal with user-friendly interface to view credit card accounts and pay bills. Paying the credit card bill on time is very important as it ensures the continuity of services and also prevents the accumulation of penalty. Bank of India Credit Card customers can choose to pay their credit card bills either offline or online. The customer can choose a platform that is most suitable for their needs and make the payment of outstanding dues easily. What more, these easy payment means come at no extra cost and any credit cardholder registered with Net Banking can make credit card bill payments online in an instant.

    Bank of India Credit Card Payment - Online Modes:

    Given below are the online modes for credit card bill payment offered by the Bank of India.

    • NEFT Payment

      If you do not hold a Net Banking account with Bank of India or want to use the balance from another bank’s account to pay your dues, you can use National Electronic Funds Transfer to pay the outstanding. Just follow the simple steps given below to make a NEFT payment for BOI card dues.

    • Log on to your bank’s net banking account and add Bank of India Credit cardholder’s name as beneficiary under the third party fund transfers section.
    • The IFSC code for BOI credit card payment is BKID0000101. In place of account number, enter the 16-digit Bank of India Credit Card number.
    • In the other required fields, fill the bank name as BOI Credit Card - NEFT.
    • After adding the beneficiary in your account’s NEFT section, you will be able to make credit card payments using NEFT.
    • Bank of India Direct Billing Credit Card - Online Payment Gateway

      Customers who hold a direct billing credit card with Bank of India can make credit card payment using the online portal. Just follow the easy steps described below to make a credit card payment using the online portal.

    • Visit the Bank of India website and go to the credit card payments page.
    • Enter your credit card number and other relevant details.
    • Select the bank through which you are planning to make a payment. To make payment with a particular bank, you need to have Net Banking facility with options of fund transfer.
    • After you confirm the details, you will be redirected to the payments page of selected bank. You need to authorize the payment by providing correct credentials.
    • You shall receive a unique transaction reference number on successful authorization.

    Pay Bank of India Credit Card Bill

    Bank of India Credit Card Payment - Offline Modes:

    For people who prefer to go to the physical branch directly to make payments, Bank of India offers offline credit card payment options.

    • Cash Payment Over the Counter

      Bank of India credit card customers can make payments in cash towards their credit card outstanding. They will have to provide details like the credit card number and contact details. The cash payments done towards credit card bills may attract nominal processing fee also.

    • Cheque Payments

      Bank of India credit card customers can also deposit a cheque at any of the drop boxes available at BOI ATMs and bank branches to make their credit card bill payments. They can submit a cheque payable to Bank of India credit card account. Customers can visit the nearest Bank of India branch or BOI ATM to deposit the cheque. To know more about this facility or to know if this facility is offered for your credit card type, do enquire with Bank of India before making a credit card payment.

    Bank of India Credit Card Statement:

    For your Bank of India credit card, the statement will be sent at the end of billing cycle. The card statement will essentially contain the purchases and payments that you have made for a period and will be usually sent to your registered postal address and email address. You will be able to see the minimum outstanding amount, due date and total amount due. The statement will give a breakdown of interest and expenditure, it will also show the accumulation of reward points, if any. With the statement in your hand, you will not only be able to plan your future budgets properly but you can also make the correct payment before the due date.

    Bank of India Credit Card Bill Payment FAQs:

    1. What details do I have to provide to make a credit card bill payment through online portal?

      If you are making a credit card bill payment through bank of India online portal, you will have to provide the following details.

      • Amount to be paid.
      • 16 - digit Bank of India Credit Card number
      • The Bank through which payment is supposed to be made.
      • Your contact details.
      • You will also have to provide the authorization details for other bank account to make a payment via payment gateway.
    2. Can I make part payments towards credit card bill via the BOI online gateway?

      Yes, customers can choose to make either part or full payments towards the credit card outstanding. The payment shall be credited within three working days from the payment date if it is completed successfully.

    3. Do I have to pay any fee to use the NEFT or online gateway facility?

      No, the online gateway facility for credit card bill payment is free of cost. In case of NEFT, no fee is levied from Bank of India’s side for bill payments if the NEFT transfer.

    4. What should I do if I encounter a transaction failure but the amount has been debited already from my account?

      If the amount has been debited from your account but has not been applied to the credit card account even after three working days, contact the bank with the transaction reference number. If the transaction is not reflected in Bank of India’s account, a reversal of transfer will be initiated. However, to avoid penalty, it is suggested that you make payment through alternate means before the end of due date.

    5. Is my credit card bill payment transaction carried out securely?

      Yes, every transaction is carried out with maximum security through SSL technology. The date is encrypted when it is sent across channels so that it can’t be viewed by unauthorized third party. Also, a transaction will be carried out only if your authorization details for Net Banking are correct. 

    Bank of India Credit Card Bill Payment Reviews

    • Bank of India Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      BANK OF INDIA i am using the saving account with this bank since from past two years. There are no hidden charges applicable with this bank added on that the online service is very good and satisfactory with this bank. The customer service is very good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 22, 2018
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with BANK OF INDIA , i am holding this card for more than 5 year .Benefits were good reward points , cash back and so many . They offered me w3ith BANK OF INDIA GOLD credit card . Their Service is good, they offered me a very good limit .
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Dec 20, 2018
    • Bank of India Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am person who generally don't like to use the credit cards, i am using this card for a while. They had given me with a good credit limit and there has been some good benefits in with this card. The card has not been having any annual charges and i had been using this card often for the purchases.
      Was this review helpful? 5
      , pune
      Reviewed on Nov 13, 2018
    • Bank of India Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      Bank of India is good in the credit card services. The customer support is fine and and they are responsive too. The billing is clear and the statements are sent to me on time. There are no hassles till date to use the card. I get notified when I use it.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 17, 2018
    • Bank of India Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Bank of India from last 9 years, there was no annual fee charged for this credit card and i am happy with the credit limit in this credit card. Offers like reward points are good in this credit card and i get points on all the transactions.
      Was this review helpful? 7
      , mumbai
      Reviewed on Oct 01, 2018
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last one year and the services which they had been providing so far had been good. The credit limit with the card has been good and there also had been good features with the card. Their customer support also had been helpful at times.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 01, 2018
    • Bank of India Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      My application was approved with BANK OF INDIA credit card . They offered good credit limit with this card . This card is not chargeable . I am happy with the benefits which i am getting through this credit card . Customer support and their follow up is up to the mark .
      Was this review helpful? 2
      , pune
      Reviewed on Sep 03, 2018
    • Bank of India Credit Card
      "Good banking service"
      0.5 4.0/5 "Great!"
      I am banking with Bank of India from last 4-5 years and i hold a salary account with this bank. The banking services are comparatively good than other nationalized banks. Customer service is good and they responded on time. ATM branches are working fine and there are no hidden charges.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 25, 2018
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this account for almost ten years and it had been an excellent experience which i had with them. Their customer support and the staff responses had been very good where there has been a good response which they had been making. There hasn't been any sort of hidden charges which they had been making so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 12, 2018
    • Bank of India Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      It had been almost 20 years since i am holding this account. It had been a very good experience i had with them so far. I had been using the card for shopping and all other purposes and there has been good offers available with the card like cash backs and rewards. There has not been any hassle so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2018
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      For last 2 years am using Bank of India Credit card. Am using this credit card for Fuel purpose . Am satisfied with credit limit of Rs1 lakh . And there are no annual charges for the card as its life time free card. Customer service and response is good .Overall am satisfied with my credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2018
    • Bank of India Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with BANK OF INDIA 1 year back. They have offered master card and the given credit limit was 40,000 which is not satisfactory . The customer service and responses was up to the mark.I am getting reward points as benefits and there is no annul fee.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jun 14, 2018
    • Bank of India Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I've a credit card from the Bank Of India. The limit is is 20000 which is very low. There are No offers no cash back facilities with the card . Their customer care is also not good. This card do not have any exciting offers and benefits worth commendable.
      Was this review helpful? 3
      , mumbai
      Reviewed on May 25, 2018
    • Bank of India Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Bank of India is good as well when it comes to savings and credit card services. I get good offers and the credit card limit is also good. There are no charges and the billing is clear and on the statements are sent to me on time. The customer services and response is also good.
      Was this review helpful? 0
      , junagadh
      Reviewed on May 22, 2018
    • Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bank Of India credit card service is good. The customer support is good. The limit is sufficient for me. The online net banking is easy for navigation. The rate of interest and charges is little compared to others in the market. The offers and benefits are good with Bank Of India credit card service. It was totally an excellent experience with Bank Of India credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Bank of India Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I hold a credit card as well with Bank of India. The customer services are good. I also have good offers and a good limit too. The transactions are smooth and the statements are always clear and till date there has been no issues or inconvenience faced.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 13, 2018
    • Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with the usage of my credit card with Bank of India. I being a staff of the bank there would be no rate of interest. The credit limit is also good and to my satisfaction. There are no annual charges for the card. Just that there are no much of offers. It is minimal and they have started off only now to provide the same.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2018
    • Bank of India Credit Card
      "Better service"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with BANK OF INDIA. The credit limit was 20,000 which is not stausfactroy . The customer service and responses was up to the mark. I have 24/7 helpline number and I hold master International card . The fees and charges are average.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 31, 2018
    • Bank of India Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have been banking with Bank of India for last five years.I have opened a savings account with them.I should maintain a minimum balance of 5000 to hold an account.The banker response is good i have never faced any technical issues or charges in my account these years.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jan 06, 2018
    • Bank of India Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the bank of India credit card for more than a year. The response is not up to the mark with the bank of India. The customer support need to be improved with bank of India. The annual fee of Rs,1750 need to paid in this card. I am satisfied with this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 30, 2017
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