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    Bank of India Navy Classic Credit Card

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    Bank of India Navy Classic Credit Card

    Specially crafted for the members of Indian Navy, the Navy Classic Credit Card by Bank of India is designed to offer utmost banking convenience. We know that as a Navy staff, you like to stay in control always and Bank of India Navy Classic Credit Card will let you stay at the top of your game when it comes to financial matters. This card is free for lifetime and is offered in partnership with MasterCard. With exciting reward schemes and benefits of banking online, this card will let you live a high life.

    Features and Benefits of Bank of India Navy Classic Credit Card:

    The following advantages that accompany a Bank of India Navy Classic Credit Card make it one of the best credit card for Navy members.

    • Direct Billing Cards:

      This card is designed for Navy staff who are constantly on the move and is a direct billing card. Bank of India Navy Classic Credit Cardholders can pay their credit card dues instantly from anywhere in the world.

    • Free for Lifetime:

      This card comes with no annual fee or renewal charges and is free for lifetime.

    • Easy Payment System:

      The billing cycle for Bank of India Navy Classic Credit Card is from the 16th of present month to the 15th of next month and the payment is to be made on or before the 5th of succeeding month which makes payment very convenient for the salaried class.

    • Affordable Charges:

      Bank of India Navy Classic Credit Card comes with nominal and affordable charges for banking services and the interest rate is also attractive which offers greater flexibility to the cardholders.

    Fees and Charges for Bank of India Navy Classic Credit Card:

    The fees and charges for Bank of India Navy Classic Credit Card are as follows.

    Feature

    Fees & Charges

    Add-On Card

    Two add-on cards.

    Cash Advance Transaction Fee

    2.5% on advance amount for each transaction.

    Cheque Bounce Fee

    Minimum of Rs 100

    Late Payment Charges

    Rs. 100/- in addition to finance charges for minimum payment due greater than Rs. 1000

    Replacement Card Charges

    Rs 250

    Duplicate Statement Request Charges

    Rs 50

    Return of Cheque Fee

    Minimum of Rs 100

    Charge Slip Request

    Rs. 100/- or actual whichever higher

    Fees and Charges are subject to frequent change. Do enquire with Bank of India about the prevailing fees and charges.

    Eligibility for Bank of India Navy Classic Credit Card:

    The eligibility for a Bank of India Navy Classic Credit Card is as follows.

    • The applicant must be a member of Indian Navy.
    • Any person of Indian origin, resident Indians who is employed with the Indian Navy can apply for this credit card.
    • The applicant must not have defaulted any payment of dues pertaining to Bank of India or any other bank.

    For a detailed eligibility criteria including income requirements, do contact Bank of India.

    Documentation required:

    The applicant must submit the following documents to obtain a Bank of India Navy Classic Credit Card.

    • As a proof of identity, you will have to submit either of passport, voter ID, driving license, PAN card or Aadhaar card.
    • Address Proof - You will have to submit either of recent telephone bills, electricity bills or passport/ voter ID.
    • Income Proof documents - recent salary slips, IT Returns and recent bank account statements.
    • For Bank of India Navy Classic Credit Card, you must also submit a proof that you belong to the Indian Navy like an ID card.

    Additional documents may be required based on the applicant's’ profile. Do enquire with the Bank of India for a detailed list of documents required before proceeding with the application process.

    Bank of India Navy Classic Credit Card FAQs:

    1. How do I apply for the Bank of India Navy Classic Credit Card?

      To get a Bank of India Navy Classic Credit Card, you have to submit a duly filled application form, affixed with photographs. You will also have to submit the required documents to complete the application process.

    2. How do I make the payment for this credit card?

      Bank of India Navy Classic Credit Card is a direct billing credit card and hence the customers can make the payments online in a secure manner from the Internet banking accounts of other banks.

    3. Can I make part payments for the purchases that I make using this credit card?

      Yes, you can choose to make the payments either in part or in full. Also, there is no limit on the number of payments that can be made.

    4. Can I get an add-on card with Bank of India Navy Classic Credit Card?

      Yes, customers are offered up to 2 add-on cards. Supplementary credit cards are offered to close relatives like parents, spouse, brother, sister and major children i.e., immediate relatives of the primary cardholder.

    5. What is the billing cycle for Bank of India credit cards?

      The billing cycle is from the 16th of current month to the 15th of next month. The bills must be paid on or before the 6th of the succeeding month.

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  • Bank of India Navy Classic Credit Card Reviews

    • 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? 0
      , 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? 0
      , 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? 0
      , 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? 0
      , hyderabad
      Reviewed on Dec 30, 2017
    • Bank of India Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with BANK OF INDIA 3 years back. I hold maestro domestic credit card and the credit limit was 35,000 which was not satisfactory . The customer service and responses was up to the mark. The validity of the card is up to 2022 and The card was approved on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 26, 2017
    • Bank of India Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with BANK OF INDIA 3 years back. I hold meatsro domestic credit card and the credit limit was 35,000 which was not satisfactory . The customer service and responses was up to the mark. The validity of the card is up to 2022 and The card was approved on time.
      Was this review helpful? 3
      , chennai
      Reviewed on Dec 23, 2017
    • Bank of India Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using money back credit card with boi they never provide any good offers the customer service was awesome and I uses my boi money back credit card for all my shopping needs and purchase it was a excellent experience with boi for my money back credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 23, 2017
    • Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the bank of India credit card for past 1 year. The annual fee is zero to this card and I am satisfied with their credit limit . The customer support is good with the credit card department. The rate of interest and the charges nominal with this card and i would say it is good card to use.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 31, 2017
    • Bank of India Credit Card
      "Need to increase the credit limit"
      0.5 3.0/5 "Satisfactory"
      I am using the credit service with Bank of India for 1.5 years. My credit limit was Rs.25,000. The annual charges are applicable on this card.The helpline number was provided to reach the customer service. I use domestic credit card and I make the payment online.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 21, 2017
    • Bank of India Credit Card
      "Process is smooth"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with Bank of India and the process was very much smooth. There was no much of documentation and the verification was done on time. The services has always been good and the bank is always supportive. There are no hassles.
      Was this review helpful? 0
      , udaipur
      Reviewed on Oct 15, 2017
    • Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using BOI credit card from last 6-7 months, i found the services are good when compared to all other credit cards. I also get an exciting offers like cash back, reward points and EMI options. I use this card for shopping purpose and i am also satisfied with the credit limit.
      Was this review helpful? 0
      , ujjain
      Reviewed on Oct 11, 2017
    • Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using BOI credit card from last 3 years, as soon as i opened a savings account with BOI, they offered me a credit card. The services are good when compared to all other credit cards. I also get offers like reward points and cash back. There is no annual fee charged as it is a government bank. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Oct 11, 2017
    • Bank of India Credit Card
      "Convenient Credit card"
      0.5 5.0/5 "Blown Away!"
      Fantastic, my Bank of India credit card reward points could convert into cash. I am using this credit card for past seven year, twice they have increased my credit limit and one time they upgraded my credit card.Bank of India credit card bills are always clear about the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2017
    • Bank of India Credit Card
      "Hassles free"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with Bank of India. The card is much helpful for the usage and the credit limit is good. I do not have any issues or any kind of challenges in BOI in maintaining the card. There were no issues like hidden charges or unnecessary charges levied by BOI.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Aug 23, 2017
    • Bank of India Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Bank of India the credit limit tis 20,000 . They do not have emi facility and not even option to pay the minimum amount due . Reward points can be redeem into cash. Bharathi revere bank has introduce to change the card into chip card but i have visited the branch and spoken with the them but there is no response.Interest rate on the card is 18% per annum.
      Was this review helpful? 1
      , dehradun
      Reviewed on Mar 09, 2016
    • Bank of India Credit Card
      "Fine..with them..."
      0.5 4.0/5 "Great!"
      I used to get valuable points and I am using that for emergency purpose. Credit limit offered by Bank of India was less compare to SBI bank card. I have taken this Gold and master card on 2006. Good thing is, interest part is less based on credit card.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 18, 2015
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