Bank of India RuPay Swadhan Platinum Credit Card

1. Accepted globally at all domestic and international merchant outlets. 

1. EMI at POS facility available on machines owned/managed by M/S WorldLine Pvt. Ltd, regardless of the bank. 

1. Earn 2X reward points on POS and e-commerce transactions, excluding blocked categories. 

1. The cash withdrawal limit is capped at 50% of the total credit limit. 

1. You can withdraw up to Rs.15,000 per day from any ATM worldwide. 

1. The billing cycle runs from the 16th of the current month to the 15th of next month. 

1. Payment due date is on or before the 5th of the following month, aligning well with salaried customers. 

1. Offers flexible credit limits for add-on cardholders.

Eligibility Criteria for Bank of India RuPay Swadhan Platinum Credit Card

The individual must fulfil the required eligibility criteria for the Bank of India RuPay Swadhan Platinum Credit Card that are given below: 

1. Eligible applicants include: 

1. Individuals (staff or non-staff) 

1. Private limited companies 

1. Public limited companies 

1. Partnership firms 

1. Applicants must have a stable and verifiable source of income, supported by Income Tax Returns (ITR).

Fees and Charges of Bank of India RuPay Swadhan Platinum Credit Card

The fees and charges applicable for Bank of India RuPay Swadhan Platinum Credit Card are mentioned in the table below: 

How to Activate Bank of India RuPay Swadhan Platinum Credit Card? 

As per RBI guidelines, your Bank of India RuPay Swadhan Platinum Credit Card must be activated within 30 days of issuance. You can activate your card using any of the following convenient channels: 

IVR or Toll-Free Number Activation: 

1. Dial 022-4042 6006 (IVR) or 1800-220-088 (Toll-Free). 

1. Press ‘1’ or ‘2’ for English or Hindi, respectively. 

1. Press ‘2’ to select "Activate New Card" option. 

1. Enter your 16-digit card number. 

1. Press ‘#’. 

1. Input your card’s expiry date in MMYY format. 

1. Enter the OTP sent to your registered mobile number to complete activation. 

Online Activation via Bank Website: 

1. Visit official website.

1. Enter your Customer ID and password to register and log in. 

1. Go to the "Requests" tab. 

1. Click on "Card Activation". 

1. Choose the correct card number. 

1. Enter the OTP received on your mobile to activate the card. 

Mobile App Activation via Omni Neo: 

1. Open and log into the Omni Neo Mobile Banking App. 

1. Navigate to the “My Cards” section. 

1. Select your RuPay Select Credit Card from the list. 

1. Tap on “Activate the Card”. 

1. Complete the process using the OTP sent to your registered mobile number.

How to Generate PIN for Bank of India RuPay Swadhan Platinum Credit Card?

You can generate the PIN for your Bank of India RuPay Swadhan Platinum Credit Card using multiple secure channels. Follow the steps below for your preferred method: 

IVR or Toll-Free Number: 

1. Dial 022-4042-6006 (IVR) or 1800-220-088 (Toll-Free). 

1. Press ‘1’ for English or 2’’ for Hindi. 

1. Press ‘4’ if you are an existing cardholder. 

1. Enter your 16-digit card number. 

1. Press ‘2’ to receive an OTP on your registered mobile number. 

1. Enter the OTP received. 

1. Press ‘1’ for other queries. 

1. Press ‘1’ to start the PIN generation process. 

1. Enter a 4-digit PIN. 

1. Then press ‘#’. 

1. Re-enter the same 4-digit PIN followed by ‘#’ to confirm and complete the process. 

Mobile Banking App (BOI Omni Neo): 

1. Log in using your mobile banking credentials. 

1. Go to the “Card Services” section. 

1. Click on “Credit Card Services”. 

1. Select your active credit card. 

1. Tap on “Generate PIN”. 

1. Enter the OTP sent to your registered mobile number. 

1. Enter a 4-digit PIN. 

1. Re-enter it to confirm and generate your card PIN. 

BOI Credit Control App: 

1. Log into the BOI Credit Control App. 

1. Choose the card for which you wish to set the PIN. 

1. Select the “Change Green PIN” option. 

1. Enter the OTP sent to your registered mobile number. 

1. Enter your 4-digit PIN. 

1. Re-enter it to complete the PIN generation. 

Bank of India Website: 

1. Visit official website.

1. Log in with your Customer ID and password. 

1. Go to the “Requests” tab. 

1. Click on “Green PIN”. 

1. Select your card number. 

1. Enter the OTP sent to your registered mobile number. 

1. Set a 4-digit PIN, then re-enter it to confirm and complete the process.

How to Set Limit for Bank of India RuPay Swadhan Platinum Credit Card?

You can conveniently set or adjust transaction limits (POS/ATM/ECOM/NFC) on your BOI RuPay Swadhan Platinum Credit Card through the following channels: 

Via Bank of India Website: 

1. Visit  official website.

1. Log in with your Customer ID and password. 

1. Go to the “Requests” tab. 

1. Click on “Channel Configuration”. 

1. Select your card number. 

1. Choose the transaction types (POS, ATM, ECOM, NFC). 

1. Set limits as per your requirements. 

1. Click “Submit” to save and apply the changes. 

BOI Omni Neo Mobile Banking App: 

1. Open and log in to the Omni Neo App. 

1. Navigate to the “My Cards” section. 

1. Tap on the card shown in the window pane. 

1. Select the “Set Limits and Channels” option. 

1. Choose the required transaction types (POS/ATM/ECOM/NFC). 

1. Input the desired limits. 

1. Tap “Submit” to confirm and save the updated limits. 

BOI Credit Card Control App: 

1. Log in to the Credit Card Control App with your credentials. 

1. Choose the credit card you want to manage. 

1. Enable or disable POS/ATM/ECOM/NFC channels and set custom limits accordingly. 

1. Click “Submit” to save your preferences and update the card settings. 

IVR or Toll-Free Number: 

1. Dial 022-4042-6006 (IVR) or 1800-220-088 (Toll-Free). 

1. Press ‘1’ for English or ‘2’ for Hindi. 

1. If you are an existing cardholder, press ‘4’. 

1. Enter your 16-digit card number. 

1. Press ‘2’ to receive an OTP. 

1. Enter the OTP sent to your registered mobile number. 

1. Press ‘1’ for other options. 

1. Choose the required transaction channels (POS/ATM/ECOM/NFC). 

1. Set your desired limits. 

1. Enter the OTP again to confirm and complete the process. 

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