The BOI rupay platinum credit card is an entry-level credit card designed specifically for beginners and those who are looking for a credit card to rebuild credit scores. The benefits and features offered by this card include an attractive joining bonus, cashbacks on utility bills, complimentary assistance of a multilingual concierge service, etc. A detailed description of the BOI rupay card benefits is given below.
Table of Contents
Who can apply for the BOI rupay platinum credit card?
- Resident Type: Indian.
- Bank of india credit card eligibility criteria for salaried person:
- Age: 21 to 60 yrs.
- Income: Above Rs.2 lakh annually.
- BOI credit card eligibility criteria for self-employed person:
- Age: 21 to 65 yrs.
- Income: Above Rs.2 lakh annually.
- A good CIBIL Score (Above 650) is required to apply for this BOI rupay card.
What documents are required to apply for the BOI rupay 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.
- Salaried Person (any 1)
What are the BOI rupay platinum credit card fees?
- BOI rupay credit card joining fee: Will be communicated at the time of application.
- BOI rupay card annual charges: Will be communicated at the time of application.
What are the BOI rupay platinum credit card benefits?
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Get started with a huge joining bonus:
With your credit card activation, you will get welcomed with fantastic gift vouchers from leading partner merchants.
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Earn attractive cashbacks on utility bills:
This BOI rupay card offers assured cashbacks on utilities, dining, and transactions made at partner outlets.
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Assurance of insurance coverage:
The BOI rupay credit cards come with accidental insurance coverage of Rs.2 lakh. You can call the boi credit card customer care number to claim the benefits of the coverage.
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Assistance of a multilingual concierge service:
BOI rupay card offers a multilingual concierge service facility with this card. You can get assistance from them in travel and hotel booking.
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Cutting-edge security:
This card is equipped with an advanced EMV chip. These chips use a very strong encryption method to store your credit card data, making your card nearly impossible to clone.
What are the BOI rupay platinum credit card charges?
Particulars |
Payable amount |
BOI credit card withdrawal charges | 2.50% against the transacted amount, Min Rs.500 (Check your available rupay credit card 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 minimum due amount is not paid) |
How to contact the bank of india credit card customer care department?
- Call the boi credit card customer care no: 1800-425-1112 / 1800-103-1906 / 022-40429123 or 022-40919191
- Write to the bank of india credit card email id: Callcentre@bankofindia.co.in
100xGain Ratings:
6/10
Pros and cons of this bank of india rupay credit card:
Pros |
Cons |
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Final Opinion:
If you are looking for a low cost credit card for your regular domestic usage, then this BOI card can be a good option for you. This BOI credit card features assured cashback on utility bills and a very low-interest rate which makes this card a good option for beginners too.
But if you are ready to spend a bit more for better credit card benefits, then I would never recommend this card. Instead, I would suggest you take a look at our best lifetime free credit cards page. You can also compare the alternative card options given below.
Alternative of BOI Rupay Platinum Credit Card:
- Flipkart Axis Bank credit card (Best for online shopping)
- BOI SwaDhan Rupay Credit card (Best for cashback)
- Yes Prosperity Cash-Back Credit Card (Best for cashback)
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