Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
The features that accompany Bank of India Visa Gold Card International Card will make banking more convenient for the cardholders.
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.
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.
Customers can withdraw cash from ATMs across the country including other bank ATMs using Bank of India Visa Gold Card International Card.
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.
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.
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.
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.
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 BOI Credit Card Customer Care. Cardholders can also avail the ATM locator service offered by the Bank of India.
Supplementary cardholders can enjoy the benefits of flexible credit limit.
The spending limit for Bank of India Visa Gold Card International Credit Card is typically over Rs.1 lakh.
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.
Customers have the access to Visa Emergency Assistance Centre (VEAC) for easy reporting of lost or stolen cards.
Cardholders get the advantage of interest free credit period for up to 51 days.
Bank of India Visa Gold Card International Cardholders get emergency card replacement and emergency cash disbursement services.
| Type of Charge | Amount |
|---|---|
| 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 |
The applicant must satisfy the eligibility criteria given below to be able to apply for a Bank of India Visa Gold Card International Card.
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.
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.
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.
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.
Yes, you can use your Bank of India Visa Gold Card International Card to withdraw cash from ATMs.
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