BOI Rupay Platinum Credit Card Review

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.

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. 

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?

  • Get started with a huge joining bonus:

With your credit card activation, you will get welcomed with fantastic gift vouchers from leading partner merchants.

  • Earn attractive cashbacks on utility bills:

This BOI rupay card offers assured cashbacks on utilities, dining, and transactions made at partner outlets.

  • 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.

  • 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.

  • 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?


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:

100xGain Ratings: 


Pros and cons of this bank of india rupay credit card:



  • This credit card offers assured cashback on utilities and dining.
  • This BOI platinum card comes with a very low-interest rate.
  • You can’t use this rupay credit card in foreign countries (excluding rupay card accepted countries like Nepal, Bhutan, and Singapore)

 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: 

  1. Flipkart Axis Bank credit card (Best for online shopping)
  2. BOI SwaDhan Rupay Credit card (Best for cashback)
  3. Yes Prosperity Cash-Back Credit Card (Best for cashback)

3 thoughts on “BOI Rupay Platinum Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: