‘BOI SwaDhan Rupay Credit card’ is an EMV enabled Rupay credit card from the Bank of India. This card comes with a number of features and benefits for its customers like – Welcome gift, Reward winning option, Worldwide acceptance, Add on facility, and flexible credit limit on add on cards, also this card comes with a low-interest rate and with the trust of Bank of India.
Eligibility criteria –
- Nationality – Indian.
- Age – 21 – 65.
- Occupation – Both salaried and self-employed people can apply.
- Income – This card is issued against your term deposit account
- Good CIBIL Score.
- Zero due payment.
- Good relation with the bank
Documents Required –
- Proof of Identity –
- Job Card.
- Voter Id.
- Driving License
- Aadhar Id.
- Letter from UIDAI.
- Proof of Address –
- Gas, Electricity, or any utility bill. ( recent )
- Ration card.
- Document of property registration.
- Proof of Income –
- 3-month bank statement. (latest)
- Recently submitted form 16.
- Salary Slip (recent 3 months)
- Joining fee – None.
- Annual fee – None.
- Add-on fee – None.
- Finance Charge – 1.70% with no dues & 2.50% With Dues.
Benefits –The benefits of the card is described below –
- Welcome Benefits – With the issuance of the card you will receive some gift vouchers from the ‘Bank of India’ you can use those vouchers any time.
- Reward points – With this card, you can earn easy reward points with all your transactions. You can also redeem your reward points very easily. You can either use them for mobile recharge, flight, and hotel booking, or you can simply convert them into cash with the help of the bank.
- Cash-back offer – This card comes with a number of cash-back and discount offers throughout the year. You can get exclusive cash-back and discounts at all the partner’s outlets.
- Free of cost – You don’t need to pay any joining and annual fees for this card. this card is totally free.
- Billing cycle – You can get a wide billing cycle with the card. The billing cycle of the card is from the 16th of a month to next month’s 15th. This is very helpful for the salaried people.
- Cash Withdrawal – In case if you need emergency cash then you can withdraw cash from almost any ATM in the world. Charges apply.
- EMI facility – With this feature, you don’t need to worry about your big bill amounts. With the help of this feature, you can transform your big bills into easy monthly EMIs.
- Add on facility – You can share the benefits of your card with your family members and loved ones. Just add your parents, children, siblings, or any family members with your card and they also can enjoy the awesome benefits of a credit card. Min age – 18+
- The credit limit for add-on card – You can now set a credit limit for your add-on member, this feature will help you to control your account more easily, and also you can set a monthly budget for your family.
- Lost card – If your card is lost or stolen, you can get assistance from BOI customer service. You can block your lost or stolen card within no time with the help of active customer service. If you can report within 3 days your liability will be limited to a certain amount.
- Cash Advance – 2% at BOI ATMs & 2.5% at overseas and any other ATMs.
- Over limit charge – ₹ 100 / transaction.
- Replacement Charge – ₹ 200.
- Foreign currency transaction – 2% against the transacted amount.
- Other benefits –
- Worldwide acceptance – You can use your ‘BOI SwaDhan Rupay Credit card’ almost anywhere in the world. You can pay using this card at any place where you can see the ‘Rupay’ logo.
- Revolving facility – ‘Bank of India’ gives their customers an opportunity to pay more comfortably. You can pay just 10% of your bill and the rest of the amount can be paid later at a very low interest rate.
- Security – Your ‘BOI SwaDhan Rupay Credit card’ comes with a built-in EMV Chip that gives you more security on our transactions. This chip can also make your transactions more fast and easy.
Final Opinion –
If you are looking for a secure and worldwide wide accepted credit card then this card is the best card for you. It comes with lots of benefits like – welcome offers, reward options, Deals and offers, and the security of the EMV chip. So if you are eligible then you must go for this card as it comes with a number of the best possible offers at a very low cost.