•  Loading your search... Loading your search...
  • Bank of India Visa Gold International Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

    Other Top Credit Cards By Bank of India

  • Bank of India Visa Platinum Privilege Credit Card
  • Bank of India Pensioners Credit Card
  • India Credit Card Bank of India
  • Bank of India Shatabdi Krishi Vikas Card
  • Bank of India Navy Classic Credit Card
  • Bank of India Navy Gold Credit Card
  • Bank of India Taj Premium Credit Card
  • Bank of India Visa Gold Credit Card
  • Bank of India Visa Gold International Credit Card Reviews

    • 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? 0
      , 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? 0
      , 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
    • Bank of India Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using money back credit card with boi they never provide any good offers the customer service was awesome and I uses my boi money back credit card for all my shopping needs and purchase it was a excellent experience with boi for my money back credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 23, 2017
    • Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the bank of India credit card for past 1 year. The annual fee is zero to this card and I am satisfied with their credit limit . The customer support is good with the credit card department. The rate of interest and the charges nominal with this card and i would say it is good card to use.
      Was this review helpful? 1
      , new delhi
      Reviewed on Oct 31, 2017
    • Bank of India Credit Card
      "Need to increase the credit limit"
      0.5 3.0/5 "Satisfactory"
      I am using the credit service with Bank of India for 1.5 years. My credit limit was Rs.25,000. The annual charges are applicable on this card.The helpline number was provided to reach the customer service. I use domestic credit card and I make the payment online.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 21, 2017
    • Bank of India Credit Card
      "Process is smooth"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with Bank of India and the process was very much smooth. There was no much of documentation and the verification was done on time. The services has always been good and the bank is always supportive. There are no hassles.
      Was this review helpful? 0
      , udaipur
      Reviewed on Oct 15, 2017
    • Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using BOI credit card from last 6-7 months, i found the services are good when compared to all other credit cards. I also get an exciting offers like cash back, reward points and EMI options. I use this card for shopping purpose and i am also satisfied with the credit limit.
      Was this review helpful? 0
      , ujjain
      Reviewed on Oct 11, 2017
    • Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using BOI credit card from last 3 years, as soon as i opened a savings account with BOI, they offered me a credit card. The services are good when compared to all other credit cards. I also get offers like reward points and cash back. There is no annual fee charged as it is a government bank. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Oct 11, 2017
    • Bank of India Credit Card
      "Convenient Credit card"
      0.5 5.0/5 "Blown Away!"
      Fantastic, my Bank of India credit card reward points could convert into cash. I am using this credit card for past seven year, twice they have increased my credit limit and one time they upgraded my credit card.Bank of India credit card bills are always clear about the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2017
    • Bank of India Credit Card
      "Hassles free"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with Bank of India. The card is much helpful for the usage and the credit limit is good. I do not have any issues or any kind of challenges in BOI in maintaining the card. There were no issues like hidden charges or unnecessary charges levied by BOI.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Aug 23, 2017
    • 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
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.