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  • Bank of India Visa Platinum Privilege Credit Card

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  • 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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    Bank of India Visa Platinum Privilege Credit Card Reviews

    • Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I hold Bank of India credit card from long time, They have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was sufficient , they have given me as per my requirement, They have not charged any hidden charges.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jun 29, 2019
    • Bank of India
      Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a good experience with Bank of India for credit card. I never tried calling the customer service. The interest rate is very low than other banks, 39% Annual Percentage Rate. They are provided me a good limit. The annual fee is Rs.499 per year.
      Was this review helpful? 2
      , pune
      Reviewed on Jun 24, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been applied for Bank of India from long time, they have not charged me annual fee as it is life time free credit card, the credit limit which they have given to me was good, their service is good, their mobile application is user friendly, so far i have not found much offers.
      Was this review helpful? 1
      , noida
      Reviewed on Jun 18, 2019
    • Bank of India Credit Card
      "They need scope of improvement on the customer support"
      0.5 3.0/5 "Satisfactory"
      I do have Bank of India credit card its average since its a govt bank, the customer care is not that great. The card is good for regular usage and the interest rate is nominal but I didn't experience yet because I make my payment on time, I am getting the points based on the transaction.
      Was this review helpful? 2
      , mumbai
      Reviewed on May 31, 2019
    • Bank of India Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I've been using the BANK OF INDIA Credit card for a while. The experience good. The limit is good. Overall the whole application process was easy and hassle free.Offer is nothing with this card as of now . I am using this card for many year and it is very easy to pay .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 22, 2019
    • Bank of India Credit Card
      "Average Credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a account with Bank of India more than three years . But till now they didn't approach me for a credit card . I also came to know their card doesn't have much value for online market . Because from my side , I thought of applying once upon a time . After that I changed my mind .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 15, 2019
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the Bank of India Credit card for quite sometime and the services provided by them has been pretty much good, there has been a good credit limit with this card and the card does not have any annual charges. I use the card for offline purchases and also for online shopping. There hasn't been any sort of hassles faced with the card services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 10, 2019
    • Bank of India Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Bank Of India credit card through the agent,The credit limit was good and the agent gave all the required details about the credit card.I have received the credit card on time without any delay .This card is very useful and good to use .I am comfortable with the service so far .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 06, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had my salary account with Bank of india from past 3 and half years,so they have given me credit card on that basis,this is my first only card i have been using so far,they have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit.
      Was this review helpful? 3
      , malappuram
      Reviewed on Mar 27, 2019
    • Bank of India Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      The service provided by BANK OF INDIA makes them the best. There are rewards and cash back offers. Reasonable interest rates. Mobile and net-banking are very much user friendly. Easy going interface. Customer support is good and their follow up is also up to the mark .
      Was this review helpful? 7
      , new delhi
      Reviewed on Feb 28, 2019
    • 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 2 months, there was no annual fee charged for this credit card. I am happy with the credit limit given in this credit card. I have not used this card much so i am not aware of any offers on this card.
      Was this review helpful? 7
      , bhopal
      Reviewed on Jan 21, 2019
    • Bank of India Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I carry a account in Bank of India and by which i got their credit card. I am using credit card of bank of India from long and i am satisfied with the services. There are offers and benefits on this card and i would say i am happy with the overall services.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jan 19, 2019
    • Bank of India Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      BANK OF INDIA i am using the saving account with this bank since from past two years. There are no hidden charges applicable with this bank added on that the online service is very good and satisfactory with this bank. The customer service is very good.
      Was this review helpful? 9
      , bangalore
      Reviewed on Dec 22, 2018
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with BANK OF INDIA , i am holding this card for more than 5 year .Benefits were good reward points , cash back and so many . They offered me w3ith BANK OF INDIA GOLD credit card . Their Service is good, they offered me a very good limit .
      Was this review helpful? 7
      , ahmedabad
      Reviewed on Dec 20, 2018
    • 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? 6
      , 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? 4
      , 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? 9
      , 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? 1
      , 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? 5
      , 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? 2
      , mumbai
      Reviewed on Jul 25, 2018
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