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  • Bank of India Visa Platinum Privilege 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 Platinum Privilege Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Carefully designed for people who want the best experiences in life, Bank of India Visa Platinum Privilege Card will take your purchase experience to the next level. Bank of India Visa Platinum Privilege Cardholders enjoy exclusive privileges and enviable benefits including attractive EMI options and reward points on purchases. Elevate your shopping and purchase experience with the reward scheme offered by the Bank of India. With a line of benefits that come with Bank of India Visa Platinum Privilege Card including add-on cards, balance transfer facility and flexible credit limits, cardholders will get to enjoy a whole new world of banking privileges.

    Features of Bank of India Visa Platinum Privilege Card:

    Bank of India Visa Platinum Privilege Card comes with the following advantages.

    • EMI Options:

      The customer can easily convert his purchases to EMI provided the value of card transaction is over Rs.5000. You can choose to repay the credit in comfortable tenure options.

    • Cash Withdrawal Facility:

      Bank of India Visa Platinum Privilege Cardholders can use their card to withdraw cash from Bank of India ATM as well as other bank ATMs.

    • Revolving Credit Facility:

      The cardholder will have to pay just 10% of the credit card bill before due date if he avails the revolving credit facility. On the 90% of the outstanding balance, the customer will have to pay an interest of 1.70% per month. If the amount is overdue, an interest of 2.5% per month will be charged.

    • Concession on Insurance Premiums:

      Customers are offered concession on mediclaim insurance policy premium for policies worth Rs. 5 lakhs. This facility is offered in partnership with National Insurance Co. Ltd.

    • Interest Free Credit Period:

      The purchases that you make using Bank of India Visa Platinum Privilege Card is given up to 51 days on interest free credit period.

    • Balance Transfer Option:

      Cardholders can transfer the outstanding balance from other credit card to Bank of India Visa Platinum Privilege Card subject to up to 75% of spending limit. To avail the balance transfer facility, the minimum amount required for other bank credit cards is Rs. 10,000 and Rs. 5,000 for Bank of India Card.

    Benefits of Bank of India Visa Platinum Privilege Card:

    Bank of India Visa Platinum Privilege Card comes with a bouquet of benefit that makes it a very popular choice amongst Indians.

    • Cash Advance Facility:

      Bank of India Visa Platinum Privilege Cardholders are offered the facility of cash advance at over 4000 BOI branches with free remittance for credit card payment.

    • Worldwide Acceptance:

      Bank of India Visa Platinum Privilege Card is a photo credit card that is accepted at over 2. 5 lakh merchant PoS and can be used to withdraw cash from more than 90, 000 ATMs.

    • Affordable Interest:

      Cardholders can convert costly purchases to EMIs and repay the same over a period of tenure. Customers are offered nominal interest rates for EMI facility.

    • 24/7 Customer Service:

      Bank of India credit cardholders can get their queries answered through the 24/7 helpline and also block their lost card immediately.

    • Reward Points:

      With every spend that you make using Bank of India Visa Platinum Privilege Card, you will earn reward points which can be exchanged for cash and fee waivers.

    Fees and Charges:

    The fees and charges for Bank of India Visa Platinum Privilege Card is as follows.

    Services

    Fees and Charges

    Annual Fee

    Rs 600 per annum

    Add On Card Fee

    Rs 350 per annum

    Cash Advance Transaction Fee

    2% (minimum Rs. 50) for each transaction.

    Charges for Duplicate Statement Request

    Rs 50

    Over Limit Charges

    Rs. 100/- for each transaction

    Cheque Bounce Fee

    Minimum of Rs 100

    Credit Limit

    20% of annual income subject to a minimum of Rs. 30,000 and a maximum of Rs.2, 00,000

    Charge Slip Request

    Rs. 100/- or actual whichever higher

    Air and Railway Booking charges

    Actual charges as prescribed by the Indian Railways or the acquirer bank

    Penalty Interest Rate

    1.70% per month

    Late Payment Penalty

    Rs. 100/- in addition to finance charges for minimum payment due greater than Rs. 1000

    Cash Advance Limit

    50% of cardholder total spending limit subject to Rs.15,000 per day

    Foreign Currency Transaction Charges

    2%

    The fees and charges for Bank of India Visa Platinum Privilege Card are subject to frequent changes and revisions. Do enquire with bank of India about the prevailing rates before making a credit card transaction.

    Eligibility:

    The eligibility for Bank of India Visa Platinum Privilege Card is as given below.

    • Bank of India Visa Platinum Privilege Card is issued to a person of Indian origin.
    • Individuals of foreign origin who are residing in India at present for employment and other related purposes and non-resident Indians can apply for this 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 must have a constant income which will be verified from the income tax return statements and salary slips.

    The eligibility criteria for Bank of India Visa Platinum Privilege Card may depend on the applicant's income source and type of employment. For detailed list of eligibility conditions and income criteria, do contact Bank of India.

    Documentation:

    An individual who wants to apply for Bank of India Visa Platinum Privilege Card must submit the following documents.

    • Identity Proof - PAN Card, Voter ID, Aadhaar Card, passport, Driving License, any of these documents can be submitted.
    • Proof of Address - The applicant can submit either of recent telephone bills, electricity bills, passport or voter ID as address proof.
    • Income Documents - The customer must submit salary slips, recent IT returns, bank account statements for the last six months and other documents as applicable.

    The documents required will vary depending on your employment type and income source. Do enquire about the complete list of documents needed before starting the credit card application process.

    FAQs for Bank of India Visa Platinum Privilege Card:

    1. What is the transaction limit for Bank of India Visa Platinum Privilege Card?

      At merchant Point of Sale counters, this card can be used to make transactions up to Rs.1 lakh. The maximum amount of cash that can be withdrawn using Bank of India Visa Platinum Privilege Card from ATM is Rs. 50,000.

    2. Can I use my Bank of India Visa Platinum Privilege Card overseas?

      Yes, Bank of India Visa Platinum Privilege Card is an international card and can be used overseas.

    3. What are the service charges for cash advances when I use Bank of India Visa Platinum Privilege Card at ATMs?

      The service charges for cash advances using Visa Platinum Privilege Card are 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 convert my credit card purchases to EMI?

      Yes, you can convert your purchases to EMI (up to a maximum of 36 EMIs). This facility can be availed for transactions over Rs. 5000.

    5. Can I avail the EMI facility for credit card cash withdrawals?

      No, this facility can be availed for transactions for purchase of services and goods over Rs.5000.

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