Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Bank of India Pensioners Credit Card
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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
      "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? 0
      , 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? 0
      , 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
    • Bank of India Credit Card
      "Happy with them..."
      0.5 5.0/5 "Blown Away!"
      Bank of India offered me a Gold plus card based on my salary account. I am holding this for the past 3 years. Its a basic card. I am getting 50% withdrawal offer. I am getting good rewards points and for festival times I used to get movie ticket offers as well.
      Was this review helpful? 1
      , karur
      Reviewed on Nov 11, 2015
    • Bank of India Credit Card
      "Good card to use.."
      0.5 4.5/5 "Excellent!"
      Every thing was perfect in Bank of India. I am holding India card for the past 12years. Best thing is, there is no annual fee for this card. I am getting very good offers form them. I am using this card mostly for the shopping purpose. Service was excellent, they are very good in that.
      Was this review helpful? 2
      , villupuram
      Reviewed on Oct 22, 2015
    • Bank of India Credit Card
      "Not to be recommended"
      0.5 2.0/5 "Expected more"
      I have the India credit card from the bank of india. Its the government banks so we cant expect much more services from them. I am using this card for paying the utility bills. I never had an opportunity to go ahead with the customer service. Once the card got expired it took around 2 months to get the replacement one.
      Was this review helpful? 6
      , new delhi
      Reviewed on Oct 05, 2015
    • Bank of India Credit Card
      "Good EMI option"
      0.5 4.5/5 "Excellent!"
      Its good to maintain a credit card with Bank of India and there payment option provided is really good.They apply interest based on the market rate and I do have a gold card with Bank of India.The rewards points and offers provided to the customer is very good.EMI conversion option provided is also good with Bank of India.
      Was this review helpful? 2
      , visakhapatnam
      Reviewed on Sep 24, 2015
    • Bank of India Credit Card
      "Happy with Card"
      0.5 5.0/5 "Blown Away!"
      I am using Bio Navy Credit Card with Bank of India since last 10 years. Bank often revises my credit limit on the card. Services are excellent. I have online access to my card account. Bank also has mobile application which is also very user friendly and helpful. I am happy with my Bank of India Credit Card.
      Was this review helpful? 5
      , faridabad
      Reviewed on Sep 14, 2015
    • Bank of India Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have the Bank of India platinum credit card for a long time. Still i have not faced any issues with the card and it is the best card.Cash back is given only for the selected outlets and reward points are offered for all the purchases which are redeemed to pay the next month bill amount. Surcharge is waived off on the petrol bunk.Annul fees is been charged once in two years for Rs.750 which is high.Interest rate of the card is 1.6% per month.
      Was this review helpful? 13
      , kochi
      Reviewed on Jul 01, 2015
    • Bank of India Credit Card
      "Good..."
      0.5 4.0/5 "Great!"
      I have stopped using the credit card of Bank of India because of EMI facility as they donâ??t have it. Whatever the purchases that customer has done should be settled in followed months. Up to the amount of 30k, I can withdraw the cash where the charges are reasonable on that.
      Was this review helpful? 5
      , bangalore
      Reviewed on Jun 17, 2015
    • Bank of India Credit Card
      "Customer support is not good..."
      0.5 1.0/5 "Really Bad"
      Three years I am using the â??India cardâ?? but so far havenâ??t got any effective offers while swiping the card. Financial charges are common to the market but no option of installment for our purchase in Bank of India credit card. Customer support is lacking so they have to focus. Availing credit card is very tough as customer have to come across lots of procedures.
      Was this review helpful? 6
      , thane
      Reviewed on Jun 15, 2015
    • Bank of India Credit Card
      "Needs to improve on their customer service"
      0.5 1.0/5 "Really Bad"
      Bank of India was flexible in direct branch enquiry only. Branch headquarters like agency also working fine rather than banks. Statement charges are coming including the interest rates which was very high.Net banking was there. If I call to customer care for any complaint they will be guide to branch to be taken care for my VISA credit card. Lots to improve their customer service like private banks.
      Was this review helpful? 5
      , chennai
      Reviewed on Aug 14, 2014
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