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  • Bank of India Visa Gold International Credit Card Reviews

    • 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
    • Bank of India Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Bank of India credit card i am holding this card for the past five years and its a Master card and i get lot of benefits and reward points are good and i get discounts and EMI options when i make purchase through on-line and in in other on-line outlets.
      Was this review helpful? 10
      , pune
      Reviewed on Jul 15, 2014
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    Bank of India Visa Gold International Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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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