BOI Mastercard Platinum International Credit Card Review

The BOI Mastercard Platinum international credit card is one of the most useful credit cards offered by the Bank of India. It lets you enjoy free access to airport lounges, a relatively low rate of interest on revolving credit, global acceptance, and lots more. More about the benefits of this bank of india card are mentioned below.

Who can apply for the BOI mastercard platinum international credit card?

• Resident Type: Indian. 
• Bank of india credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Above Rs.2.5 lakh annually. 
• BOI credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Above Rs.2.5 lakh annually. 
• A good CIBIL score (Above 670) is required to apply for this boi credit card.

What documents are required to apply for a bank of india credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months’ bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR (Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recently audited financial report. 

What are the BOI mastercard platinum credit card fees?

• Joining fee for BOI mastercard platinum international credit card: Will be communicated at the time of approval.
• Annual fee for BOI mastercard platinum international credit card: Will be communicated at the time of approval.

What are the BOI MasterCard Platinum credit card benefits?

• Add luxury to your travel:

Under the mastercard airport lounge access program, this card gives you 3 free yearly accesses (1 per quarter) to most of the frontline airport lounges in India.   

• Withdraw cash anytime you want:

Using your boi card you can withdraw cash from any ATM that accepts MasterCards. You can withdraw up to Rs.15000 / day. But before making a credit card withdrawal, make sure to read about the consequences of credit card cash withdrawal from our faq page.

• Security of the advanced EMV chip:

All new boi credit cards are equipped with an advanced EMV chip. These chips use a very strong encryption method to store your credit card information which makes your card nearly impossible to clone.

• Worldwide acceptance:

This boi credit card is globally accepted, you can use this card at any outlet or e-commerce site where the mastercard credit cards are accepted. 

What are the bank of india credit card charges?

Particulars	Payable amount
BOI mastercard credit card atm withdrawal charges	2.50% against the transacted amount, Min Rs.500 (Check your available credit card cash withdrawal limit before making a withdrawal)
Finance Charge	1.70% monthly (if the minimum due in credit card bill is paid) 2.50% monthly (if the credit card minimum payment is not made)

How to contact the bank of india customer service department?

• Call the bank of india credit card customer care number: 1800-425-1112 / 1800-103-1906 / 022-40429123 or 022-40919191
• Write to the bank of india email id: Callcentre@bankofindia.co.in

100xGain Ratings: 

6/10

Pros and cons of this BOI international mastercard credit card:

Pros	Cons
This bank of india credit card offers you free access to airport lounges. The BOI credit card interest rate is relatively low.	There are no discount or cashback offers on this BOI platinum credit card.

Final Opinion:

If you are looking for low-cost credit cards with lounge access benefits, then this BOI MasterCard credit can be quite helpful for you. This bank of india card offers you free access to airport lounges and a very low-interest rate against revolving credit. 

But if you are looking for a more premium card, then make sure to visit our best second credit card page. You can also take a look at the alternative cards given below.

Alternative of BOI Mastercard Platinum International Credit Card: 

1. ICICI Bank NRI Coral credit card (Best for lounge and dining benefits) 
2. Chennai metro SBI card (Best for travel benefits)
3. Standard Chartered DigiSmart Credit Card (Best for online shopping)