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  • Bank of India Visa Gold International Credit Card

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  • Specially designed for people who love exploring the world and all the enchantments that if offers, Bank of India Visa Gold Card International Card has an international acceptance and is loaded with other benefits. If you are tired of having to carry paper money everywhere, then this credit card will save you from all that hassles. Bank of India Visa Gold Card International Cardholders are entitled to an array of advantages including reward points for purchases, EMI options for costly spends, balance transfer facility and enhanced purchase power. Also, with benefits like insurance concession, interest free credit card and affordability, Bank of India Visa Gold Card International Card will transform your shopping and banking experience. Explore the world with BOI Visa Gold International Credit card and the special privileges and sheer convenience that it offers.

    Features of Bank of India Visa Gold Card International Card:

    The features that accompany Bank of India Visa Gold Card International Card will make banking more convenient for the cardholders.

    • EMI Options:

      Bank of India Visa Gold Card International Cardholders have the option to convert their costly purchases to EMI and pay back the same over a tenure of up to 36 months.

    • Concession on Medi-Claim:

      Cardholders are offered concession in the premium of Medi-Claim insurance policy for up to Rs. 5 lakhs. This scheme is offered under partnership with National Insurance Co. Ltd.

    • Easy Cash Withdrawal:

      Customers can withdraw cash from ATMs across the country including other bank ATMs using Bank of India Visa Gold Card International Card.

    • Balance Transfer Option:

      Bank of India Visa Gold Card International Cardholders have the options to transfer the outstanding balance from credit cards of other bank to Bank of India Visa Gold Card subject to a maximum of 75% of spending limit.

    • Revolving Credit Provision:

      By availing the revolving credit facility, the Visa Gold Card International Credit Cardholder has to pay only 10% of the credit card bill before the due date. He will be levied an interest of 1.70% per month on the remaining 90% outstanding balance. The customer will be charged 2.5% interest per month if the total amount is overdue.

    • Worldwide Acceptance:

      Bank of India Visa Gold Card International Card is accepted at over 4,14,000 global locations. The cardholder can also use the card to withdraw cash from over 8,10,000 ATMs participating in VISA global ATM network.

    Benefits of Bank of India Visa Gold International Card:

    The benefits that come with Bank of India Visa Gold Card International Card make it a very popular choice amongst the globetrotters who are looking for an international credit card.

    • Constant Customer Support:

      With 24/7 customer support for reporting lost and stolen credit cards, you need not panic. Get your queries answered instantly and block your lost card - all you have to do is call Bank of India on toll free helpline. Cardholders can also avail the ATM locator service offered by the Bank of India.

    • Adjustable Credit Limit:

      Supplementary cardholders can enjoy the benefits of flexible credit limit.

    • Greater Purchase Power:

      The spending limit for Bank of India Visa Gold Card International Credit Card is typically over Rs.1 lakh.

    • Nominal Interest Rates:

      Customers can make costly purchases using this credit card and pay back in easy EMI options at attractive interest rates. For credit cards whose minimum amount is paid on or before the due date, revolving credit at a preferential rate of 1.7% is also offered.

    • Access to Visa Services:

      Customers have the access to Visa Emergency Assistance Centre (VEAC) for easy reporting of lost or stolen cards.

    • Interest Free Credit Period:

      Cardholders get the advantage of interest free credit period for up to 51 days.

    • Emergency Services:

      Bank of India Visa Gold Card International Cardholders get emergency card replacement and emergency cash disbursement services.

    Fees and Charges:

    The fees and charges for Bank of India Visa Gold Card International Card services are as described in the table below.

    Services

    Fees and Charges

    Annual Fee

    Rs 1500 per annum

    Add On Card Fee

    Rs 800 per annum

    Cash Advance Transaction Fee

    2.5% on advance amount (minimum Rs. 50) for each transaction.

    Cash Advance Limit

    Up to 50% of the total spending limit subject to Rs.15,000/- per day

    Return of Cheque Fee

    Minimum of Rs 100

    Cheque Bounce Fee

    Minimum of Rs 100

    Penalty Interest Rate

    1.70 percent per month

    Duplicate Statement Request Charges

    Rs 50

    Free Credit Period

    Up to a maximum of 51 days

    Over Limit Charges

    Rs. 100 for each transaction

    Air/Railway Booking Charges

    Actual charges as prescribed by Railways / acquirer bank

    Replacement Card Charges

    Rs 50

    Eligibility:

    The applicant must satisfy the eligibility criteria given below to be able to apply for a Bank of India Visa Gold Card International Card.

    • Bank of India Visa Gold Card International Credit card is issued to people of Indian origin.
    • The applicant must have a gross annual income of Rs.1. 50 lakhs and above to be eligible for this card.
    • Individuals of foreign origin who are residing in India currently for employment and Non-resident Indians can apply for this credit card.
    • The applicant must have a good CIBIL score and must not have defaulted on any payment of dues related to Bank of India or any other bank.
    • The customer should have a steady income which will be verified from the income tax return statements and salary statements.

    Documentation:

    The applicant will be required to submit the documents given below to complete the application process for Bank of India Visa Gold Card International Card.

    • Proof of identity - Either of passport, driving license, voter ID, Aadhaar card or PAN card.
    • Address Proof - Any one of recent electricity bills, telephone bills, passport or voter ID must be submitted as address proof.
    • Income Proof documents - Recent IT Returns, last six months’ bank account statements showing salary credit and salary slips, as applicable.

    The documents required will change based on the income type and employment of the applicant. Do enquire about the list of documents required for your profile and keep the documents ready before starting the application process.

    Bank of India Visa Gold International Card FAQs:

    1. Explain the reward points scheme and how do I redeem my reward points?

      For every Rs. 100 spent each month, the cardholder will be awarded one reward point. The reward points will be accumulated over a year. At the time of renewal, the reward points will be adjusted towards renewal fees and the balance points will be converted to cash and credit to the cardholders’ account.

    2. What is the billing cycle for Bank of India Visa Gold Card International Card?

      The billing cycle for this credit card is from the 16th of current month to the 15th of next month and the cardholder has to pay the dues on or before the 6th of subsequent month. This cycle makes the payment process very convenient for salaried customers.

    3. What are the charges for balance enquiry at ATM using the credit card?

      Charges for balance enquiry using Bank of India Visa Gold Card International Card at ATMs is as follows.

      At Bank of India ATMs

      NA

      At other bank ATMs

      Rs. 20

      4) What the service charges for cash advances?

      The service charges for cash advances using Bank of India Visa Gold Card International Card is 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

    4. Can I use my Bank of India Visa Gold Card International Card to withdraw cash from ATM?

      Yes, you can use your Bank of India Visa Gold Card International Card to withdraw cash from ATMs.

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    Bank of India Visa Gold International Credit Card Reviews

    • Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I hold Bank of India credit card from long time, They have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was sufficient , they have given me as per my requirement, They have not charged any hidden charges.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jun 29, 2019
    • Bank of India
      Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a good experience with Bank of India for credit card. I never tried calling the customer service. The interest rate is very low than other banks, 39% Annual Percentage Rate. They are provided me a good limit. The annual fee is Rs.499 per year.
      Was this review helpful? 2
      , pune
      Reviewed on Jun 24, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been applied for Bank of India from long time, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was good, their service is good, their mobile application is user friendly, so far i have not found much offers.
      Was this review helpful? 1
      , noida
      Reviewed on Jun 18, 2019
    • Bank of India Credit Card
      "They need scope of improvement on the customer support"
      0.5 3.0/5 "Satisfactory"
      I do have Bank of India credit card its average since its a govt bank, the customer care is not that great. The card is good for regular usage and the interest rate is nominal but I didn't experience yet because I make my payment on time, I am getting the points based on the transaction.
      Was this review helpful? 2
      , mumbai
      Reviewed on May 31, 2019
    • Bank of India Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I've been using the BANK OF INDIA Credit card for a while. The experience good. The limit is good. Overall the whole application process was easy and hassle free.Offer is nothing with this card as of now . I am using this card for many year and it is very easy to pay .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 22, 2019
    • Bank of India Credit Card
      "Average Credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a account with Bank of India more than three years . But till now they didn't approach me for a credit card . I also came to know their card doesn't have much value for online market . Because from my side , I thought of applying once upon a time . After that I changed my mind .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 15, 2019
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the Bank of India Credit card for quite sometime and the services provided by them has been pretty much good, there has been a good credit limit with this card and the card does not have any annual charges. I use the card for offline purchases and also for online shopping. There hasn't been any sort of hassles faced with the card services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 10, 2019
    • Bank of India Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Bank Of India credit card through the agent,The credit limit was good and the agent gave all the required details about the credit card.I have received the credit card on time without any delay .This card is very useful and good to use .I am comfortable with the service so far .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 06, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had my salary account with Bank of india from past 3 and half years,so they have given me credit card on that basis,this is my first only card i have been using so far,they have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit.
      Was this review helpful? 3
      , malappuram
      Reviewed on Mar 27, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      The service provided by BANK OF INDIA makes them the best. There are rewards and cash back offers. Reasonable interest rates. Mobile and net-banking are very much user friendly. Easy going interface. Customer support is good and their follow up is also up to the mark .
      Was this review helpful? 7
      , new delhi
      Reviewed on Feb 28, 2019
    • Bank of India Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Bank Of India from last 2 months, there was no annual fee charged for this credit card. I am happy with the credit limit given in this credit card. I have not used this card much so i am not aware of any offers on this card.
      Was this review helpful? 7
      , bhopal
      Reviewed on Jan 21, 2019
    • Bank of India Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I carry a account in Bank of India and by which i got their credit card. I am using credit card of bank of India from long and i am satisfied with the services. There are offers and benefits on this card and i would say i am happy with the overall services.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jan 19, 2019
    • Bank of India Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      BANK OF INDIA i am using the saving account with this bank since from past two years. There are no hidden charges applicable with this bank added on that the online service is very good and satisfactory with this bank. The customer service is very good.
      Was this review helpful? 9
      , bangalore
      Reviewed on Dec 22, 2018
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with BANK OF INDIA , i am holding this card for more than 5 year .Benefits were good reward points , cash back and so many . They offered me w3ith BANK OF INDIA GOLD credit card . Their Service is good, they offered me a very good limit .
      Was this review helpful? 7
      , ahmedabad
      Reviewed on Dec 20, 2018
    • Bank of India Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am person who generally don't like to use the credit cards, i am using this card for a while. They had given me with a good credit limit and there has been some good benefits in with this card. The card has not been having any annual charges and i had been using this card often for the purchases.
      Was this review helpful? 6
      , pune
      Reviewed on Nov 13, 2018
    • Bank of India Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      Bank of India is good in the credit card services. The customer support is fine and and they are responsive too. The billing is clear and the statements are sent to me on time. There are no hassles till date to use the card. I get notified when I use it.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 17, 2018
    • Bank of India Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Bank of India from last 9 years, there was no annual fee charged for this credit card and i am happy with the credit limit in this credit card. Offers like reward points are good in this credit card and i get points on all the transactions.
      Was this review helpful? 9
      , mumbai
      Reviewed on Oct 01, 2018
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last one year and the services which they had been providing so far had been good. The credit limit with the card has been good and there also had been good features with the card. Their customer support also had been helpful at times.
      Was this review helpful? 1
      , vadodara
      Reviewed on Oct 01, 2018
    • Bank of India Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      My application was approved with BANK OF INDIA credit card . They offered good credit limit with this card . This card is not chargeable . I am happy with the benefits which i am getting through this credit card . Customer support and their follow up is up to the mark .
      Was this review helpful? 5
      , pune
      Reviewed on Sep 03, 2018
    • Bank of India Credit Card
      "Good banking service"
      0.5 4.0/5 "Great!"
      I am banking with Bank of India from last 4-5 years and i hold a salary account with this bank. The banking services are comparatively good than other nationalized banks. Customer service is good and they responded on time. ATM branches are working fine and there are no hidden charges.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jul 25, 2018
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