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    Bank of India TAJ Premium Credit Card

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    Bank of India TAJ Premium Credit Card

    Specially designed for people who want the best of everything, Bank of India TAJ Premium Card is offered only to reputed people who hold a TAJ membership. Bank of India TAJ Premium Card comes loaded with features like exclusive access and convenient billing options. Cardholders will also be eligible for other exciting privileges like reward points with purchases and other offers from the Taj group. This card is also free for lifetime making it very convenient option for people who want to avoid the hassles of renewal and making annual payments. The Bank of India TAJ Premium Card will be your key to the world of high life, exclusive privileges, enviable deals and banking convenience.

    Features and Benefits of Bank of India TAJ Premium Card:

    The following features and benefits that come with a Bank of India TAJ Premium Card

    Makes it the best choice for people who want to stay at the top of their game.

    • Free for Lifetime:

      With the Bank of India TAJ Premium Card, you do not have to worry about paying the annual charges. This credit card is free for lifetime!

    • An Exclusive Card:

      This credit card is offered only to reputed individuals who hold a Taj Group’s membership. With such exclusivity, cardholders are sure to get the best privileges across all categories.

    • Affordability:

      Services pertaining to the Bank of India TAJ Premium Card comes with affordable fees and charges. You do not have to burn a hole in your pocket to stay in control of your finances.

    • Hassle-Free Billing:

      The billing cycle is from the 16th of present month to the 15th of next month. The bill dues should be paid before the 5th of succeeding month. This cycle makes it very convenient for the salaried class to make payments.

    • Attractive Interest:

      The interest rate for Bank of India TAJ Premium Card is affordable and will enable the cardholders to make purchases using this credit card without having to worry about the interest.

    Fees and Charges:

    The table of fees and charges forBank of India TAJ Premium Card is given below.

    Service

    Fees & Charges

    Cash Advance Transaction Fee

    2.5% on advance amount

    Late Payment

    Late payment charges will be Rs.100/- for minimum payment due exceeding Rs.1000/- in addition to finance charges.

    Cheque Bounce Fee

    Minimum of Rs 100

    Duplicate Statement Request Charges

    Rs 50

    Replacement Card Charges

    Rs 200

    Charge Slip Request

    Rs. 100/- or actuals whichever higher

    Return of Cheque Fee

    Minimum of Rs 100

    Over Limit Charges

    Rs. 100 for each transaction

    Return of Cheque Fee

    Minimum of Rs 100

    Air/Railway Booking Charges

    Actual charges as prescribed by Railways or the acquirer bank

    Foreign Currency Transaction Charges

    2%

    Fees and charges pertaining to the Bank of India TAJ Premium Card are subject to frequent change. Do enquire about the prevailing charges before making a transaction using your BOI TAJ Premium credit card.

    Eligibility for Bank of India TAJ Premium Card:

    The eligibility criteria for Bank of India TAJ Premium Card is as follows.

    • The applicant must be a member of the Taj Group.
    • This card is issued to a person of Indian origin.
    • The applicant must have a commendable CIBIL score. He / She must not have defaulted any payment of dues from Bank of India or any other bank.
    • The applicant must also have a steady source of income which will be verified from the salary slips or Income Tax Return statements.

    For a detailed list of eligibility criteria and the minimum income requirements, do contact the Bank of India before proceeding with the credit card application process.

    Documentation required:

    The following documents will be required to complete the application for Bank of India TAJ Premium Card.

    • Taj Membership card
    • Proof of Identity - You can submit either of Aadhaar card, PAN card, passport or driving license.
    • Address Proof - You can submit either of Driving license, voter ID and passport or Aadhaar card.
    • Income Proof - Recent salary slips, income tax return statements, last 6 months bank account statements.

    The required documents vary depending on the profile of the applicant. Do enquire with Bank of India about the documents required for your employment type and income source.

    Bank of India TAJ Premium Card FAQs:

    1. Is my Bank of India TAJ Premium Card accepted overseas?

      No, TAJ Premium Card is valid for use only in India, Nepal and Bhutan.

    2. What is the billing cycle for Bank of India TAJ Premium Card?

      The billing cycle for Bank of India TAJ Premium Card is from the 16th of running month to the 15th of next month.

    3. What do I do if I accidentally misplace or lose my credit card?

      In case of the unfortunate event of card loss, contact Bank of India to immediately block the card. Your card will be hotlisted to prevent any misuse.

    4. How do I apply for Bank of India TAJ Premium Card?

      To apply for Bank of India TAJ Premium Credit card, you have to fill the application form and submit the relevant documents at the nearest Bank of India branch.

    5. How do I renew my Bank of India TAJ Premium Credit Card?

      All Bank of India credit cards will be renewed automatically year on year until the cancellation is notified to the Bank at least 2 months prior to the expiry of the credit card.

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  • Bank of India TAJ Premium Credit Card Reviews

    • 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
    • Bank of India Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Bank of India credit card and its a Master card the benefits i have a star reward when ever i go for shopping i get reward points and i can redeem that on the website and get myself some goodies and they do have discount offers and cash back offer but i have not availed them yet.
      Was this review helpful? 5
      , ahmedabad
      Reviewed on Aug 12, 2014
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