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  • Bank of India Credit Cards

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  • Bank of India was established in 1906 and is a commercial bank owned by the Government of India. The bank was nationalized in 1969 and occupies a high position amongst all nationalized banks in India. Bank of India has over 4963 branches across Indian states and union territories. The Bank has a wide national footprint with specialized branches and 54 zonal offices. Bank of India has successfully combined the power of traditional banking with the essence of modern banking infrastructure to offer a range of unique financial services and products. BOI offers a diverse range of products and services including loans, deposits, accounts and credit products to cater to the financial needs of a diverse range of clientele including individuals and corporates.

    Bank of India credit cards offer a wide array of benefits like affordable interest rates, EMI options, flexible tenure options and revolving credit facility. BOI Credit cards are tailor made to meet individual requirements and will duly cater to the financial and banking needs of people. Select a Bank of India credit card that suits your needs and elevate your purchase experience to a better level.

    Why Choose Bank of India Credit Card?

    Bank of India offers an array of credit card options, each card carefully crafted to meet its specific purpose. Customers can choose from Bank of India Navy Classic, Navy Gold, TAJ Premium Card, Visa Gold Card, Visa Gold Card International Card, Visa Platinum Privilege Card and Bank of India Credit Card for Pensioners and India Card by the Bank of India. All these credit cards come with a line of benefits that will offer you exclusive privileges and banking benefits. Bank of India credit cards come loaded with advantages like EMI options, worldwide acceptance, higher credit limits and flexible credit options. What more - the credit card application process is hassle free, transparent and requires minimal documentation. Bank of India credit cards are sure to the owners pride and will be your key to a whole new world of exclusive offers and enviable privileges.

    Features and Benefits of Bank of India Credit Card:

    The following advantages that come with Bank of India Credit Cards makes the credit cards very popular amongst all financial products in the banking industry.

    • Multi-purpose Cards

      Bank of India offers a range of credit cards to cater to the requirements of all classes of customers including pensioners, Navy staff and globetrotters and for the modern Indians.

    • Concession on Medi-Claim

      Customers are offered a discount in the premium of Medi claim insurance policy for up to Rs. 5 lakhs. This scheme is offered under tie-up with National Insurance Co. Ltd.

    • EMI Options

      Bank of India Credit Cardholders have the facility to convert their costly purchases to EMI and pay back the credit over a tenure of up to 36 months. What more - you get all this at nominal interest rates!

    • Revolving Credit Facility

      By making use of the revolving credit facility, a BOI Credit Cardholder has to pay just 10% of the credit card bill before the due date. The cardholder will have to pay an interest of 1.70% per month on the remaining 90% outstanding balance. The cardholder will be charged 2.5% interest per month if the total amount is overdue.

    • Balance Transfer Option

      Bank of India Cardholders can transfer the outstanding balance from credit cards of other bank to Bank of India Credit Card subject to a maximum of 75% of spending limit.

    • Worldwide Recognition and Acceptance

      Get freedom from having to carry paper money everywhere, Bank of India Credit Card is accepted at over 4,14,000 locations around the globe. The cardholder can use the BOI Credit card to withdraw cash from over 8,10,000 ATMs worldwide.

    • Cash Withdrawal

      Cardholders can withdraw cash from ATMs across the country including other bank ATMs using Bank of India Credit Card.

    • Impeccable Customer Support

      With the 24/7 customer support for reporting lost credit cards, you need not have to worry if you lose your card. Block your lost card and get your queries answered by calling the Bank of India toll free helpline. Cardholders can also avail the ATM locator service offered by the Bank of India.

    • Affordable Interest Rates

      Cardholders can make costly purchases using BOI credit card and repay in easy EMI options at nominal interest rates. For BOI credit cards whose minimum amount is paid on or before the due date, revolving credit at a preferential rate of 1.7% is also given.

    • Interest Free Credit Period

      Cardholders get the benefit of interest free credit period for up to 51 days.

    Bank of India Credit Card Charges and Interest:

    The charges and fees for services related to Bank of India credit card are as follows.

    Services/ Credit Card Types avy Classic Credit Card Navy Gold Credit Card TAJ Premium Card Visa Gold Card Visa Gold International Card Visa Platinum Privilege Card Bank of India - India Card
    Annual Fee Rs 600 Rs 600 Rs 800 Rs 600 Rs 1500 Rs 600 Waived if the minimum transaction of Rs.20,000/- during the previous year.
    Add On Card Fee/ No. of add-on cards permitted Two add-on cards. Two add-on cards. Up to Two add-on cards at Rs 400 annually Up to Two add-on cards at Rs 350 annually Up to Two add-on cards at Rs 800 Up to Two add-on cards at Rs 350 annually NA
    Cash Advance Transaction Fee 2.5% on advance amount for each transaction. 2.5% on advance amount for each transaction. 2.5% on advance amount for each transaction. 2% (minimum Rs. 50) for each transaction. 2.5% on advance amount (minimum Rs. 50) for each transaction. 2% (minimum Rs. 50) for each transaction. 2.5% on cash advance amount
    Cash Advance Limit - - - up to 50% of his total spending limit subject to Rs.15,000/- per day up to 50% of his total spending limit subject to Rs.15,000/- per day up to 50% of his total spending limit subject to Rs.15,000/- per day -
    Return of Cheque Fee Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100
    Cheque Bounce Fee Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100 Minimum of Rs 100
    Penalty Interest Rate - - 1.70 per cent per month 1.70 per cent per month 1.70 per cent per month 1.70 per cent per month 1.70 per cent per month
    Duplicate Statement Request Charges Rs 50 Rs 50 Rs 50 Rs 50 Rs 50 Rs 50 Rs 50
    Free Credit Period up to 51 days up to 51 days up to 51 days up to 51 days up to 51 days up to 51 days up to 51 days
    Over Limit Charges Rs. 100/- for each transaction Rs. 100/- for each transaction Rs. 100/- for each transaction Rs. 100/- for each transaction Rs. 100/- for each transaction Rs. 100/- for each transaction Rs. 100/- for each transaction
    Air/Railway Booking Charges As prescribed by the acquirer bank As prescribed by the acquirer bank As prescribed by the acquirer bank As prescribed by the acquirer bank As prescribed by the acquirer bank As prescribed by the acquirer bank As prescribed by the acquirer bank
    Replacement Card Charges Rs 250 Rs 250 Rs 200 Rs 50 Rs 50 Rs 50 Rs 100

    Bank of India Credit Card Rewards:

    Bank of India credit cardholders can get reward points for credit card usage. For every Rs. 100 spent in a month, one point is credited to the cardholder's account. The reward points can be accumulated for up to a year. The reward points can be redeemed for Rs. 1 per point and can be used to waive the renewal fee and annual fee. The balance points will be converted at the rate of Rs. 0.50 per point and credited to the cardholder’s account which he can use as per his need and choice.

    Bank of India Credit Card Eligibility:

    The eligibility conditions for Bank of India credit cards are as given below.

    • Bank of India credit cards are issued to individuals of Indian origin.
    • The applicant can be an individual of Indian origin, non-resident Indian or an individual of foreign origin residing in India for employment and related purposes.
    • The applicant must have the documents required to complete KYC formalities.
    • The applicant must have a good CIBIL credit score.
    • The applicant must not have defaulted for payment of dues related to Bank of India or any other Bank.
    • The customer must have a steady income and the same will be verified through the Income Tax Returns and salary slips.

    Apart from the eligibility conditions mentioned above, the eligibility conditions may vary depending on the card. Also, depending on your type of employment and income source, you might be asked to submit additional documents. Do enquire with Bank of India about the documents required for your profile before proceeding with the application.

    Bank of India Credit Card Documents Required:

    Applicants need to submit the documents mentioned below to complete the credit card application process.

    • Duly filled application form with passport size photographs
    • ID Proof - Any one of the following
      • Passport
      • Aadhar card
      • Voter’s ID
      • PAN card
      • Driver’s licence
    • Address proof - Any one of the following
      • Passport
      • Telephone bill
      • Aadhar Card
      • Electricity Bill
      • Election card
    • Income Proof Documents
      • Latest IT Returns
      • Form 16
      • Last 3 months’ bank statement
      • Last 3 months’ salary slip

    Additional documents may be asked for depending on the type of the card that you are applying for. Do enquire with Bank of India about the list of documents required for your card type, nature of employment and income source before proceeding with the application process.

    List of Bank of India Credit Card:

    Here’s a list of various credit cards offered by Bank of India.

    • Bank Of India Navy Classic Credit Card

      Designed exclusively for the members of Indian Navy, Bank of India Navy Classic Credit Card will offer an ultimate cashless banking experience. Bank of India Navy Classic Credit Card will let you manage your finances with ease. This free for lifetime card also comes with a range of benefits and reward schemes.

    • Bank Of India Navy Gold Credit Card

      Bank of India Navy Gold Credit Card is crafted to match the lifestyle requirements of top Navy officers and comes loaded with a line of customer-centric benefits. The cardholder will be eligible for exclusive privileges and enviable benefits including reward points and EMI options.

    • Bank Of India TAJ Premium Card

      Conceived and crafted to complement the banking requirements of TAJ Group members, Bank of India TAJ Premium Card offers special privileges and convenient purchase offers. This credit card is free for lifetime and comes with affordable interest rates & high credit limits. This special credit card will be your key to living a high life.

    • Bank Of India Visa Gold Card

      Designed for people who want to merge the ease of banking with hassle-free expense management, Bank of India Visa Gold Card makes your shopping experience more rewarding. Cardholders get the benefit of Visa programs and also gain access to exclusive privileges like EMI Conversion option, balance transfer facility, flexible credit limit and add-on card options.

    • Bank Of India Visa Gold Card International Card

      Open up a whole new world of enriching services, enviable offers and convenient banking options with Bank of India Visa Gold Card International. Designed for globetrotters who want to save themselves the hassle of having to carry paper money, this credit card offers benefits like revolving credit, rewards program, insurance premium concession and enhanced purchase power.

    • Bank Of India Visa Platinum Privilege Card

      Bank of India Visa Platinum Privilege Card is specially crafted to sheer banking convenience and customer-centric features. This credit card comes with benefits like flexible credit limits, add-on cards for immediate family members, cash withdrawal facility, concession on premium of medi-claim policy, EMI options with nominal interest rate and worldwide acceptance.

    • Bank Of India Credit Card for Pensioners

      Bank of India Credit Card for Pensioners is designed to offer the maximum convenience for pensioners and because most of the pensioners are also senior citizens, this card offers customer-friendly benefits. With affordable interest rates, convenient EMI options, insurance premium discount and 24/7 helpline, customers will not only feel comfortable to use this credit card for purchase but will also be able to make the most out of the shopping and purchase experience.

    • India Card - Bank Of India

      Bank of India - India Card is created by combining the essence of traditional Indian Banking with the advantages of modern, online banking. This card offers a wide range of customer-friendly benefits like balance transfer options, cash withdrawal facility, wide acceptance and nominal interest rates that makes it one of the most sought-after credit cards in the market.

    Bank of India Credit Card FAQs:

    1. What are the credit card billing options available to me?

      Two types of credit card billing options are offered to customers.

      • Direct Billing wherein the customer can make payment for the bill depending on the card usage on or before the due date.
      • Branch billing cards where the bill amount for the usage is debited to the charge account on the due date of bill by Bank of India.
    2. Can I get supplementary cards with a Bank of India Credit Card?

      Yes, cardholders are offered up to two add-on cards depending on the primary card type. Add-on cards can be issued to immediate relatives of primary cardholder and the total credit limit of primary and add on card should not exceed the spending limit of primary card.

    3. In case I lose or misplace my Bank of India credit card, what should I do?

      In case of the unfortunate event of card loss or misplacement, call Bank of India’s 24/7 helpline as soon as possible. Your card will be blocked to prevent unauthorized usage.

    4. How do I renew my Bank of India credit card?

      The annual renewal happens automatically until the cancellation is notified 2 months prior to the card expiry. Otherwise, in case of branch billing cards, the customer has to get the credit card from the bank branch after renewal. For customers with direct billing cards, the card will be sent to the address available on the system.

    5. What are the charges for balance enquiry using my credit card?

      The charges will be Rs. 20 at other bank ATMs and no charge will be levied for balance enquiry at BOI ATMs using Bank of India Credit Card.

      

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    Bank of India Credit Cards Reviews

    • Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I hold Bank of India credit card from long time, They have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was sufficient , they have given me as per my requirement, They have not charged any hidden charges.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jun 29, 2019
    • Bank of India
      Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a good experience with Bank of India for credit card. I never tried calling the customer service. The interest rate is very low than other banks, 39% Annual Percentage Rate. They are provided me a good limit. The annual fee is Rs.499 per year.
      Was this review helpful? 3
      , pune
      Reviewed on Jun 24, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been applied for Bank of India from long time, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was good, their service is good, their mobile application is user friendly, so far i have not found much offers.
      Was this review helpful? 1
      , noida
      Reviewed on Jun 18, 2019
    • Bank of India Credit Card
      "They need scope of improvement on the customer support"
      0.5 3.0/5 "Satisfactory"
      I do have Bank of India credit card its average since its a govt bank, the customer care is not that great. The card is good for regular usage and the interest rate is nominal but I didn't experience yet because I make my payment on time, I am getting the points based on the transaction.
      Was this review helpful? 2
      , mumbai
      Reviewed on May 31, 2019
    • Bank of India Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I've been using the BANK OF INDIA Credit card for a while. The experience good. The limit is good. Overall the whole application process was easy and hassle free.Offer is nothing with this card as of now . I am using this card for many year and it is very easy to pay .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 22, 2019
    • Bank of India Credit Card
      "Average Credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a account with Bank of India more than three years . But till now they didn't approach me for a credit card . I also came to know their card doesn't have much value for online market . Because from my side , I thought of applying once upon a time . After that I changed my mind .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 15, 2019
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the Bank of India Credit card for quite sometime and the services provided by them has been pretty much good, there has been a good credit limit with this card and the card does not have any annual charges. I use the card for offline purchases and also for online shopping. There hasn't been any sort of hassles faced with the card services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 10, 2019
    • Bank of India Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Bank Of India credit card through the agent,The credit limit was good and the agent gave all the required details about the credit card.I have received the credit card on time without any delay .This card is very useful and good to use .I am comfortable with the service so far .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 06, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had my salary account with Bank of india from past 3 and half years,so they have given me credit card on that basis,this is my first only card i have been using so far,they have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit.
      Was this review helpful? 3
      , malappuram
      Reviewed on Mar 27, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      The service provided by BANK OF INDIA makes them the best. There are rewards and cash back offers. Reasonable interest rates. Mobile and net-banking are very much user friendly. Easy going interface. Customer support is good and their follow up is also up to the mark .
      Was this review helpful? 7
      , new delhi
      Reviewed on Feb 28, 2019
    • 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 2 months, there was no annual fee charged for this credit card. I am happy with the credit limit given in this credit card. I have not used this card much so i am not aware of any offers on this card.
      Was this review helpful? 7
      , bhopal
      Reviewed on Jan 21, 2019
    • Bank of India Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I carry a account in Bank of India and by which i got their credit card. I am using credit card of bank of India from long and i am satisfied with the services. There are offers and benefits on this card and i would say i am happy with the overall services.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jan 19, 2019
    • 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? 9
      , 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? 7
      , 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? 6
      , 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? 9
      , 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? 2
      , 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? 5
      , 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? 2
      , mumbai
      Reviewed on Jul 25, 2018
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