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Explore Credit Cards

A credit card allows you to make purchases on credit and pay off the debt later. As individual desires grow, so does the need for a higher credit limit. Credit cards with a high credit limit, such as those offered by Bank of India, can be a great option, with limits exceeding INR 1 lakh. You can easily apply for these cards online. Additionally, Bank of India Credit Cards offer several benefits; they are accepted worldwide and provide an interest-free period of 51 days. Therefore, it's worthwhile to explore the various credit cards offered by the Bank of India.

Types of Cards and Bank of India Credit Card Offers 2025

In the table below, you can explore the different types of Bank of India Credit Cards, joining, and annual fees.

Name of Credit Cards	Joining Fee	Annual Fee
Rupay Select Credit Card	Nil	₹800
RuPay Swadhan Platinum Card	Nil	Nil
Visa Platinum International Credit Card	Nil	₹500
RuPay Platinum International Credit Card	Nil	Nil
Visa Gold International Credit Card	Nil	₹300

BOI RuPay Select Credit Card
Best suited for: Lifestyle, Travel

Here are the main features and  benefits of BOI RuPay Select Credit Card:

• 24*7 concierge services available
• Complimentary annual membership of Amazon Prime
• 8 free domestic airport lounge access in India
• 2 international airport lounge access per year
• 3-month Swiggy One membership every year
• Discount of ₹250 on the purchase of at least two tickets per month from BookMyShow
• ₹200 discount voucher per month on Big Basket.

BOI RuPay Swadhan Platinum Credit Card
Best suited for: Reward Points

Here are the key features and benefits of RuPay Swadhan Platinum credit card: 

• 2X reward points in POS and eComm transactions
• Issued against Term Deposit Receipt only
• Cashback offers on utility bill payments, partner merchants, and more

BOI Visa Platinum International Credit Card
Best suited for: Reward Points

The following are the main features and benefits of Visa Platinum International Credit Card: 

• F&B voucher worth ₹500 on domestic airport (1 visit per quarter)
• Amazon and Swiggy vouchers worth ₹100 each
• 2X reward points in POS and eComm transactions
• Flexible credit limits for add-on cards.

BOI RuPay Platinum International Credit Card
Best suited for: Reward points

Here are the main features and benefits of BOI RuPay Platinum International Credit Card: 

• 24*7 concierge services available
• Insurance coverage up to ₹2 lakhs provided by NPCI
• 2X reward points in POS and eComm transactions
• Flexible credit limits for add-on cards

Visa Gold International Credit Card
Best suited for: Reward points

The following are the key features and benefits of the Visa Gold International Credit Card:

• 2X reward points in POS and eComm transactions.
• Flexible credit limits for add-on cards.

Credit Card Limit of BOI Credit Card

You must have seen credit limit offers beyond ₹1 lakh on a few BOI credit cards in the table above. As far as the actual limit is concerned, it’s going to be based on your income and credit score. The greater the score and income more are the chances of accessing high limits, giving you more to purchase on credit.

Bank of India Credit Card Eligibility

Check below the eligibility criteria for BOI credit cards.

• Salaried and self-employed are eligible for a card.
• Income criteria can vary from one card to another and they are mentioned in the table.

Documents Needed to Apply for Bank of India Credit Card

You must submit the following documents to apply for a credit card:

• Identity Proof – PAN Card/Aadhaar Card/Passport/Voter ID/Driving License
• Residence Proof – Passport/Driving License/Voter ID/Aadhaar Card/Utility Bills
• Income Proof – Salary slips for salaried, profit & loss account and audited balance sheet for self-employed
• Last 3-6 month bank statement

How to Apply for a BOI Credit Card Online and Offline?

You can apply for BOI credit cards online or by visiting the nearest bank branch. Simply provide some personal and professional details, whether online or on the application form. Once you submit your application, the bank will thoroughly review it before approval.

Online Payment for BOI Credit Card Bills

You can pay your credit card bills through internet banking, payment gateways, or even with cash at a bank branch. Regardless of whether you have net banking with BOI or another bank, you can add your card to the list of billers and receive notifications about your bill well before the due date. This allows you to ensure you have the necessary funds in your account for smooth payment processing.

Bank of India Credit Card Customer Care Number

For any credit card queries, you can contact Bank of India credit card customer care at 1800220229 or 18001031906. Whether it's about rewards or credit limits, feel free to ask questions and get the answers you need promptly.

Dos and Don’ts of Credit Card

Here are some recommended practices and pitfalls to avoid to optimize the use of your Bank of India Credit Card:

What to Do:

• Explore Card Options: Bank of India offers a variety of credit cards tailored to different needs, from shopping and travel to rewards and cashback. Evaluate the options based on your lifestyle and financial situation to select the most suitable card.
• Understand the Terms and Conditions: It's vital to thoroughly understand all the details of your credit card, including limits, interest rates, and associated fees. Also, keep an eye out for special promotions, discounts, or waivers that could benefit you.
• Make Prompt Payments: Always pay your credit card bills in full to maintain a healthy credit score and avoid accruing interest. Consistent and timely payments reflect positively on your credit history.
• Utilize Credit Limit Increases Wisely: If you are eligible for a credit limit increase, consider using it to extend your purchasing power and increase your rewards. However, it's important to manage this credit responsibly to avoid financial strain.
• Monitor Billing and Payment Schedules: Stay informed about your billing cycle and payment due dates to avoid late payment charges and manage your finances effectively.
• Keep Track of Your Spending: Regularly monitor your transactions to quickly spot any unauthorized or fraudulent activity. Activate alerts for all transactions and report any discrepancies immediately.

What Not to Do:

• Avoid Exceeding Your Credit Limit: Stay within your credit limit to avoid impacting your credit score negatively and accumulating high debt levels.
• Limit Credit Card Applications: While it's useful to have more than one credit card for emergencies, applying for multiple cards in a short period can be perceived as risky and may adversely affect your credit profile.
• Avoid Making Only Minimum Payments: Consistently paying just the minimum due can lead to increased interest on your remaining balance, elevating your total debt over time. Aim to pay more than the minimum or the full balance whenever feasible.

FREQUENTLY ASKED QUESTIONS

1. What are the different types of Bank of India credit cards available?

Bank of India offers various credit cards suited for different lifestyles and needs, including the Rupay Select, Rupay Swadhan Platinum, Visa Platinum International, and more. Each card comes with unique benefits tailored to lifestyles, travel, and rewards accumulation.

2. What are the eligibility criteria for a Bank of India credit card?

Applicants must be either salaried or self-employed individuals. Specific income criteria may vary between different cards. Applicants should also meet certain age requirements, usually between 21 and 60 years old, and must be resident Indians.

3. What documents are required to apply for a Bank of India credit card?

Required documents typically include identity proof (PAN Card, Aadhaar, etc.), residence proof (utility bills, Aadhaar, etc.), and income proof (salary slips for salaried or financial statements for self-employed). Last 3-6 months' bank statements are also required.

4. How can I apply for a Bank of India credit card?

You can apply online through the Bank of India's official website or by visiting a nearby bank branch. The process involves filling out an application form with your personal and professional details, submitting the required documents, and waiting for the bank to review and approve your application.

5. How do I pay my Bank of India credit card bill?

Payments can be made via internet banking, payment gateways, or cash at bank branches. You can add your credit card to the list of billers in your net banking account to receive timely notifications before the due date to ensure sufficient funds are available for payment.