BOI SwaDhan Rupay Credit Card Review

The BOI Swadhan rupay credit card is one of the entry-level credit cards offered by the Bank of India. Targeting the new credit card users, this bank of india card offers assured boi rewards on every transaction, low interest on revolving credit, EMI payment facility, and lots more. A detailed description of the BOI swadhan credit card is given below.

How does the bank of india credit card eligibility work?

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs.2 lakh annually. 
  • 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 bank of india credit card.

If you can fulfill the BOI credit card requirements, then you can submit your boi credit card application to your nearby BOI branch. You can also get some help on the BOI credit card application process from our faq page.

What documents are required to apply for the BOI 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 Swadhan credit card fees?

  • BOI SwaDhan Rupay Credit Card joining fee: None.
  • BOI SwaDhan Rupay Credit Card annual fee: None.

What are the BOI rupay credit card benefits?

  • Make transactions more rewarding:

With every transaction you make using this boi credit card you can earn assured rewards. Those boi rewardz points can easily be redeemed into cash.

  • Add more value to your transactions:

This bank of india credit card offers assured cashbacks on transactions made at some of the selected partner’s outlets.

  • Enjoy easy bill splitting:

This bank of india card allows you to split your high-value transactions into small monthly installments.

  • Security of the advanced EMV chip:

All new boi credit cards are now equipped with an advanced EMV chip. These chips use a very strong encryption method to store your sensitive credit card details which makes your card nearly impossible to clone.

What are the bank of india credit card charges?


Payable amount

BOI credit card atm withdrawal charge 2.50% against the transacted amount, Min Rs.500 (always check your boi credit card limit before making a withdrawal)
Finance Charge 1.70% monthly (if the minimum due amount is paid)

2.50% monthly (if the minimum due amount is not paid)

How to contact the boi credit card customer care department?

  • Call the boi credit card toll free no: 1800-425-1112 (Toll Free) or 1800-103-1906 (Toll Free) or 022-40429123 or 022-40919191
  • Write to the bank of india credit card email id:

100xGain Ratings: 


Pros and cons of the bank of india card:



  • This credit card offers assured boi rewards on every transaction.
  • It is a lifetime free credit card.
  • There are no dining or entertainment benefits on this boi card.

Final Opinion:

If you are new in the credit card market and are looking for a credit card just to gather some experience, then the BOI Swadhan rupay credit card would be an option for you. It features a very low-interest rate against revolving credit and assured boi rewards points on every transaction which makes this card ideal for everyday usage.

But if you are looking for attractive credit card facilities, then you would surely be disappointed with this card. In this case, I would recommend you take a look at the alternative cards given below.

Alternative cards of BOI SwaDhan Rupay Credit Card: 

  1. Flipkart Axis Bank credit card (Best for online shopping)
  2. OBC MasterCard Gold Credit Card (Best for offering cashback)
  3. RBL Bank ETMONEY LoanPass Credit Card (Best for offering cashbacks)
  4. RBL Bank Popcorn Credit Card (Best for offering cashback)

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