BOI Mastercard Platinum International Credit Card Review

BOI Mastercard Platinum International Credit Card is a MasterCard credit card from BOI. This card is specially designed for international use. The benefits offered by this card are lounge access, add-on facility, add-on facility, global acceptance, and lots more. Now let’s dig deeper and discuss the benefits of the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹1.5 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹1.5 lakh annually. 
  • Good CIBIL Score ( 750 or more).

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹1500 + GST
  • Annual Fee: ₹1500 + GST


  • Lounge access:

If you choose this card you will get 3 complimentary lounge access per year. You will get a maximum of 1 lounge access per quarter.   

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • Easy Cash withdrawal:

With this card, you don’t need to worry if you need instant cash while traveling outside India. As with BOI, you can withdraw cash at any ATMs. You can withdraw up to ₹ 15000 / day.

  • Customizable credit limit:

You can also customize the credit limits of your add-on members. It gives you better control of your account.

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

  • Worldwide acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the Visa Credit Cards are accepted. 


  • Cash Withdrawal Charge: 2% at BOI ATMs and 2.5% at other and overseas ATMs.
  • Finance Charge: 1.70% monthly if the minimum due amount is paid otherwise it will be 2.50% monthly.
  • Foreign currency transaction: 2% against the transaction amount.

Contact Details:

Call: 1800-220-229


Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you travel internationally and if you want a credit card for international use, then this card can be an option for you. It offers a relatively lower currency conversion charge which is useful for international uses. You will also get complimentary lounge access, an easy cash withdrawal facility, an add-on facility, and lots more. 

But the main drawback of this card is its high annual fee which cannot be justified by the benefits and features. There are lots of credit cards available in the market that comes with lower fees and offers much better benefits. For instance, if you want to earn benefits on travel you can go for ICICI Bank InterMiles Credit Card if you want benefits on online uses you can go for Simply Click SBI Credit Card, and if you want to spend more to have a premium lifestyle credit card then you can go for HDFC Infinia Credit Card

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