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    Bank of India Pensioners Credit Card

    Credit cards have become the norm of the day and has simplified banking to a great extent. But, for pensioners, the issue of having to find an apt credit card is still prevalent. The answer to this problem is Bank of India Credit Card for Pensioners which has been specially designed to meet the unique financial needs of pensioners. Also, because most of the pensioners are also senior citizens, Bank of India Credit Card for Pensioners comes loaded with many customer-centric features that will make banking easier. Pensioners can get total control of their expenses with benefits like EMI option, revolving credit facility and nominal interest rates.

    Features of Bank of India Credit Card for Pensioners:

    The following features accompany a Bank of India Credit Card for Pensioners.

    • Balance Transfer Facility:

      Bank of India Credit Card for Pensioners can transfer their outstanding balance on other credit card to Bank of India Credit Card for Pensioners subject to a maximum of 75% of spending limit. The minimum amount required to avail the balance transfer facility is Rs.10,000 for other bank cards and Rs.5,000 for Bank of India Credit Card for Pensioners.

    • Cash Withdrawal Facility:

      Bank of India Pensioners credit card holders can withdraw cash from any ATM including other bank ATMs using their card.

    • Insurance Premium Discount:

      BOI Pension Credit Cardholders can avail discount in the mediclaim insurance policy premium for up to Rs. 5 lakhs. This benefit is offered in partnership with National Insurance Co. Ltd.

    • Interest Free Credit:

      All the purchases that you make using a BOI Pensioners Card will be offered a up to 51 days of interest free credit period.

    • Revolving Credit Facility:

      The cardholder has to pay only 10% of the bill on or before the due date if he makes use of the revolving credit facility. The customer will have to pay an interest of 1.70% per month on the 90% outstanding balance. If the entire amount is overdue, the cardholder will be charged an interest of 2.5% per month.

    • EMI Facility:

      The cardholder can easily convert his purchases to EMI given that the value of transaction is over Rs.5000. Now, you do not have to think twice before making any costly purchases.

    Benefits of Bank of India Credit Card for Pensioners:

    Bank of India Credit Card for Pensioners comes with an array of customer-centric benefits that makes it a sought-after financial product for people post retirement.

    • Affordable Interest Rate for EMI Options:

      Customers have the option to change their costly purchases to affordable EMIs and pay back the credit over flexible tenure. Customers are offered the benefit of nominal interest rate, revolving credit facility at a preferential rate and interest free credit for up to 51 days.

    • 24/7 Customer Helpline:

      If customers have any query regarding any service or want to report the loss of card, they can do the same by calling bank of India 24/7 helpline for credit card.

    • Cash Advance Facility:

      Bank of India Pensioner credit cardholderscan avail the cash advance facility at over 4000 bank branches with free remittance option for credit card payment.

    • Wide Acceptance:

      Bank of India Credit Card for Pensioners is accepted at all major ATMs and merchant PoS. You can enjoy the benefit of not having to carry cash with you for purchases and for shopping.

    Fees and Charges:

    The fees and charges for services related to Bank of India Credit Card for Pensioners is as follows.

    Services

    Fees & Charges

    Joining Fee

    nil

    Annual Fee

    Rs. 600

    Free Credit Period

    Minimum of 19 days to maximum of 50 days.

    Credit Limit for Bank of India Credit Card for Pensioners

    Three times the monthly pension of the customer.

    Eligibility:

    The applicant must satisfy the following eligibility criteria for Bank of India Credit Card for Pensioners.

    • This card is offered to pensioners in India. The applicant must be a person of Indian origin.
    • The applicant must have a good CIBIL score and must not have defaulted on payments of dues pertaining to any other Bank or Bank of India.

    For a detailed eligibility criteria including the income criteria, do enquire with Bank of India before filing the application for Bank of India Credit Card for Pensioners.

    Documentation:

    You will have to submit the documents given below to obtain a Bank of India Credit Card for Pensioners.

    • Proof of identity - You can submit either passport, voter ID, driving license, Aadhaar card or PAN card.
    • Address Proof - You must submit either of recent telephone bills, electricity bills, passport or voter ID as a proof of address.
    • You must also submit as proof stating that you are a pensioner, if necessary.

    The list of documents required may vary depending on the type of income and nature of employment of the applicant. To know the detailed list of documents required for your profile, do contact Bank of India.

    Bank of India Pensioners Credit Card FAQs:

    1. What is the billing cycle for Bank of India Credit Card for Pensioners?

      The billing cycle for Bank of India Credit Card for Pensioners is from the 16th of current month to the 15th of succeeding month. The payment has to be made on or before the 5th of next month which makes it very convenient for people.

    2. What is the credit limit for Bank of India Credit Card for Pensioners?

      The credit limit will be not more than three times the monthly pension that the applicant receives.

    3. Can I withdraw cash from ATMs using my Bank of India Credit Card for Pensioners?

      Yes, you can withdraw cash from Bank of India ATMs as well as other bank ATMs using Bank of India Credit Card for Pensioners.

    4. How do I apply for Bank of India Credit Card for Pensioners?

      Applying for a Pensioners credit card by Bank of India is easy - you will have to submit a duly filled application form with all other relevant documents at the nearest Bank of India branch.

    5. Are there any service charges for cash advances availed using a Bank of India Credit Card for Pensioners?

      Yes, the service charges for cash advances are as follows.

      At Bank of India branch

      2.50% subject to a minimum of Rs. 50.

      At Bank of India ATM

      2.00% subject to a minimum of Rs. 50

      At other bank ATM

      2.50% subject to a minimum of Rs. 75

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  • Bank of India Pensioners Credit Card Reviews

    • 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
    • Bank of India Credit Card
      "My card"
      0.5 5.0/5 "Blown Away!"
      BOI Credit card is fine . I am holding a salary account with BOI based on which they have offered this credit card to me. |This card is acceptable at all places both retail and online. This card is 2 years old . No drawback nor any challenges as such .
      Was this review helpful? 3
      , pune
      Reviewed on Nov 18, 2015
    • Bank of India Credit Card
      "Recommendable...one"
      0.5 5.0/5 "Blown Away!"
      I would recommend Indian card to others. There is no annual fee for this card. I have taken this card from Bank of India, without processing charges. 50% cash withdrawal available in Indian card. They offered up to 1lakh credit limit. Emi options also there. People should take a card from nationalist banks.
      Was this review helpful? 2
      , karur
      Reviewed on Nov 11, 2015
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