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    We found 1 Bank of India Visa Gold Credit Card
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    Bank of India Visa Gold Credit Card is Rated as "Satisfactory" by 1 Users

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    Bank of India Visa Gold Credit Card

    Distinctively crafted for those who want to combine the sheer convenience of banking with the ease of managing their expenses, Bank of India Visa Gold Card will make your purchases more rewarding. Bank of India Visa Gold Card offers EMI option at affordable interest rates wherein the cardholder can convert costly payments to instalments. Bank of India Visa Gold Card will make your shopping experience more rewarding with exclusive privileges and reward schemes. With Visa Gold Credit card, you do not have to face the hassles of making a cash transaction and waiting for the change. With an array of advantages including balance transfer, add-on card options and flexible credit limit, Bank of India Visa Gold Card will delight the cardholder. Open up a new world of exciting offers, enriching benefits and convenient options by using the Bank of India Visa Gold Card for your transactions.

    Features of Bank of India Visa Gold Card

    The following features that come with Bank of India Visa Gold Card are as follows.

    • Interest Free Credit:

      All the purchases that you make using Bank of India Visa Gold Card will be given an up to 51 days of interest free credit period.

    • 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.

    • Balance Transfer Facility:

      Bank of India Visa Gold Cardholders can transfer their outstanding balance on other bank credit card to Bank of India Visa Gold Card 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 India card.

    • Insurance Concession:

      Cardholders can avail concession in the premium of mediclaim insurance policy for up to Rs. 5 lakhs. This benefit is offered under tie-up with National Insurance Co. Ltd.

    • Cash Withdrawal:

      Bank of India Visa Gold Cardholders can withdraw cash from any ATM including other bank ATMs.

    • Revolving Credit Facility:

      By availing this feature, the cardholder has to pay only 10% of the bill on or before the due date. The cardholder will be charged an interest of 1.70% per month on the 90% outstanding balance. The customer will be charged an interest of 2.5% per month if the entire amount is overdue.

    Benefits of Bank of India Visa Gold Card:

    Want to know what makes the Bank of India Visa Gold Card one of the most sought-after credit cards in the market? Read on to find more about the benefits that accompany this credit card.

    • Wide Acceptance:

      Bank of India Visa Gold Card is a photo credit card and is accepted at over 2. 5 lakh merchant locations and can also be used to withdraw cash from over 90,000 ATMs.

    • Attractive Interest:

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

    • Cash Advance Facility:

      Bank of India Visa Gold Cardholders can avail the cash advance facility at more than 4000 bank branches with free remittance option for credit card payment.

    • Flexible Credit Limit:

      Cardholders are also offered flexible credit limit for supplementary cards.

    • Impeccable Customer Guidance:

      Bank of India offers 24/7 toll free customer guidance for reporting stolen and loss cards.

    • Reward Programs:

      With reward points for every purchase that you make using Bank of India Visa Gold Card, you can make shopping and spending more rewarding.

    Fees and Charges:

    The fees and charges pertaining to Bank of India Visa Gold Card is as given below.

    Services

    Fees and Charges

    Annual Fee

    Rs 600 per annum

    Add On Card Fee

    Rs 350 per annum

    Cash Advance Transaction Fee

    2% (minimum Rs. 50) for each transaction.

    Duplicate Statement Request Charges

    Rs 50

    Return of Cheque Fee

    Minimum of Rs 100

    Cheque Bounce Fee

    Minimum of Rs 100

    Over Limit Charges

    Rs. 100/- for each transaction

    Charge Slip Request

    Rs. 100/- or actual whichever higher

    Air and Railway Booking charges

    Actual charges as prescribed by the Indian Railways or the acquirer bank

    Credit Limit

    20% of annual income subject to a minimum of Rs. 30,000 and a maximum of Rs.200,000

    Late Payment Penalty

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

    Cash Advance Limit

    50% of his total spending limit subject to Rs.15,000 per day

    The fees and charges for Bank of India Visa Gold Card are varying and subject to frequent change. Do contact Bank of India to learn about the prevailing rates before making a credit card transaction.

    Eligibility for Bank of India Visa Gold Card:

    The eligibility for Bank of India Visa Gold Card is as follows.

    • This credit card is issued to a person of Indian origin.
    • Non-resident Indians and individuals of foreign origin who are currently residing in India for employment can also apply for this card.
    • Income Criteria - The applicant must have a gross annual income of Rs.1. 50 lakhs and above.
    • The customer must have a commendable CIBIL score and should not have defaulted on any payment of dues pertaining to Bank of India or any other bank.
    • The applicant must have a steady income which will be verified from the income tax return statements and salary slips.

    Documentation:

    The applicant will have to submit the following documents to avail a Bank of India Visa Gold Card.

    • Proof of identity - You must submit either passport, voter ID, driving license, Aadhaar card or PAN card.
    • Address Proof - You must provide recent telephone bills, electricity bills, passport or voter ID as a proof of address.
    • Income Proof documents - recent IT Returns, salary slips and last six months bank account statements showing salary credit.

    The list of documents required will vary depending on the employment and income type of the applicant. Do enquire about the documents required for your profile before starting with the application process.

    FAQs for Bank of India Visa Gold Card:

    1. How can I apply for Bank of India Visa Gold Card?

      Applying for a Bank of India Visa Gold Card is easy - all you have to do is submit a duly filled application with all the relevant documents at the nearest Bank of India branch.

    2. What are the service charges for cash advances availed using Bank of India Visa Gold Card?

      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

    3. If I convert my purchases to EMI, what is the maximum tenure option that I can avail?

      You can convert your purchases to instalments and pay back the same in not more than 36 Instalments.

    4. In case of the unfortunate event of card loss or misplacement, what do I do?

      In case you lose or misplace your Bank of India Visa Gold Card, you need to contact the nearest branch immediately to disable your credit card. You card will be hotlisted to prevent any misuse.

    5. Can I convert my cash withdrawals from ATMs using the credit card in to EMIs?

      No, cash withdrawals from ATMs are excluded from EMI options. Only card transactions pertaining to purchase of services and goods are allowed for EMI conversion.

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  • Bank of India Visa Gold Credit Card Reviews

    • 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? 1
      , hyderabad
      Reviewed on Dec 30, 2017
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