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  • Bank of India Visa Platinum Privilege Credit Card

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    Bank of India Visa Platinum Privilege Credit Card

    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
      "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? 2
      , 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? 3
      , 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? 7
      , 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? 0
      , 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? 0
      , 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? 0
      , mumbai
      Reviewed on Jul 25, 2018
    • Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this account for almost ten years and it had been an excellent experience which i had with them. Their customer support and the staff responses had been very good where there has been a good response which they had been making. There hasn't been any sort of hidden charges which they had been making so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 12, 2018
    • Bank of India Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      It had been almost 20 years since i am holding this account. It had been a very good experience i had with them so far. I had been using the card for shopping and all other purposes and there has been good offers available with the card like cash backs and rewards. There has not been any hassle so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2018
    • Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      For last 2 years am using Bank of India Credit card. Am using this credit card for Fuel purpose . Am satisfied with credit limit of Rs1 lakh . And there are no annual charges for the card as its life time free card. Customer service and response is good .Overall am satisfied with my credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2018
    • Bank of India Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with BANK OF INDIA 1 year back. They have offered master card and the given credit limit was 40,000 which is not satisfactory . The customer service and responses was up to the mark.I am getting reward points as benefits and there is no annul fee.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jun 14, 2018
    • Bank of India Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I've a credit card from the Bank Of India. The limit is is 20000 which is very low. There are No offers no cash back facilities with the card . Their customer care is also not good. This card do not have any exciting offers and benefits worth commendable.
      Was this review helpful? 3
      , mumbai
      Reviewed on May 25, 2018
    • Bank of India Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Bank of India is good as well when it comes to savings and credit card services. I get good offers and the credit card limit is also good. There are no charges and the billing is clear and on the statements are sent to me on time. The customer services and response is also good.
      Was this review helpful? 0
      , junagadh
      Reviewed on May 22, 2018
    • 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? 1
      , 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? 1
      , 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
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