BOI Rupay Platinum Credit Card Review

BOI Rupay Platinum Credit Card is a RuPay credit card from the Bank of India. This card is specially designed for daily use. The benefits offered by this card are welcome rewards, Cash-Back on everyday uses, insurance coverage, add-on facility, concierge service, EMI facility, etc. Let’s discuss the benefits of the card in detail and see if it worth the ₹1,500 annual fees or not. 

Eligibility Criteria:

** The Bank has not mentioned the eligibility criteria, but as per our experience, we can say that it should be like this. 

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹1.50 lakh or more. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹1.50 lakh or more.
  • 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


  • Welcome benefit:

With the issuance of the card, you will get awesome gift vouchers from leading partner merchants.

  • Cash-Back benefit:

If you choose this card you will get exclusive cashback and discount offers on bill payments, dining, hotel booking, throughout the year.

  • Insurance coverage:

This card comes with ₹2 lakh coverage against accidental deaths or permanent disability due to an accident.  

  • 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. The annual fee for Add-on Cards is ₹800.

  • Concierge Service:

This card offers you a 24X7 active concierge service you can get assistance from then in Hotel booking and consultancy services. 

  • Revolving facility:

If your monthly card bill is too high, you can just pay the minimum due amount and the applicable interest rate will be 1.70% monthly, otherwise, you will have to pay 2.5% interest per month.

  • EMI Facility:

With this card, you can convert your high-value purchases into EMI. This feature is very helpful for frequent shoppers.

  • EMV Chip Card:

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


  • 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 transacted amount. 

Contact Details:

Call: 1800-220-229


Mail: [email protected]

100xGain Ratings:


Final Opinion:

After reviewing this card it can be said that this card is beneficial for regular uses, it offers exclusive Cash-Back benefits on bill payments, dining, and hotel booking, insurance coverage, add-on facility concierge service, EMI option, and lots more. 

But the benefits offered by this card cannot justify the ₹1500 annual fees. There are lots of credit cards available in the market that offers much better benefits at this cost. For example, if you want benefits on shopping then you can go for Axis Bank Buzz Credit Card, for benefits on travel and hotel booking you can go for IndusInd Bank InterMiles Voyage Credit Card, or if you want to earn benefits on fuel purchase, you can go for Standard Chartered Super Value Titanium Credit Card

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