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  • Bank of India Visa Gold International Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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    Bank of India Visa Gold International Credit Card

    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
      "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? 2
      , 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? 3
      , 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? 7
      , 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? 0
      , 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? 0
      , 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? 0
      , mumbai
      Reviewed on Jul 25, 2018
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this account for almost ten years and it had been an excellent experience which i had with them. Their customer support and the staff responses had been very good where there has been a good response which they had been making. There hasn't been any sort of hidden charges which they had been making so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 12, 2018
    • Bank of India Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      It had been almost 20 years since i am holding this account. It had been a very good experience i had with them so far. I had been using the card for shopping and all other purposes and there has been good offers available with the card like cash backs and rewards. There has not been any hassle so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2018
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      For last 2 years am using Bank of India Credit card. Am using this credit card for Fuel purpose . Am satisfied with credit limit of Rs1 lakh . And there are no annual charges for the card as its life time free card. Customer service and response is good .Overall am satisfied with my credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2018
    • Bank of India Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with BANK OF INDIA 1 year back. They have offered master card and the given credit limit was 40,000 which is not satisfactory . The customer service and responses was up to the mark.I am getting reward points as benefits and there is no annul fee.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jun 14, 2018
    • Bank of India Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I've a credit card from the Bank Of India. The limit is is 20000 which is very low. There are No offers no cash back facilities with the card . Their customer care is also not good. This card do not have any exciting offers and benefits worth commendable.
      Was this review helpful? 3
      , mumbai
      Reviewed on May 25, 2018
    • Bank of India Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Bank of India is good as well when it comes to savings and credit card services. I get good offers and the credit card limit is also good. There are no charges and the billing is clear and on the statements are sent to me on time. The customer services and response is also good.
      Was this review helpful? 0
      , junagadh
      Reviewed on May 22, 2018
    • 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? 1
      , 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? 1
      , 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
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