Bank of India Credit Card

The following advantages that come with Bank of India Credit Cards make the credit cards very popular amongst all financial products in the banking industry.

Bank of India credit card EMI conversion is available on purchases of Rs.5,000 and above, for up to 36 instalments, and does not cover cash withdrawals. 

On most Bank of India credit cards, ATM cash withdrawal is limited to Rs.15,000 per day, and the maximum cash limit is 50% of the spending limit. 

The credit limit on most Bank of India credit cards is capped at 20% of gross annual income and can be extended up to 40%, depending on the merits of the case. 

List of Bank of India Credit Cards

Bank of India International Credit Cards 

Bank of India RuPay Select Credit Card: A contactless premium international card with no joining fee and an annual fee of Rs.800. It earns 2X loyalty reward points on POS and e-commerce spends (excluding restricted categories), and offers complimentary lounge access of two visits a quarter in India and two a year abroad, personal accident cover of up to Rs.10 lakh and 24/7 concierge services. 

Bank of India RuPay Platinum Credit Card: A contactless international card with no joining fee and no annual fee on the principal card, while each add-on card costs Rs.200 a year. It earns 2X loyalty reward points on POS and e-commerce spends, offers up to 51 days of interest-free credit and includes personal accident and permanent disability cover of up to Rs.2 lakh. 

Bank of India RuPay Star Lakshmi Credit Card: A contactless platinum international card for women, with no joining fee and an annual fee of Rs.500. Benefits include an annual Sony LIV, Amazon Prime or Hotstar subscription, a complimentary annual health check-up with Pap smear, blood test and mammography, a spa service worth up to Rs.2,000 and a Lakme salon e-gift card worth Rs.1,500 every quarter, shopping vouchers from Myntra, Flipkart and Nykaa, lounge access of two visits a quarter in India and two a year abroad, and personal accident cover of up to Rs.2 lakh. 

Bank of India Celestia Credit Card: A contactless Ekaa international card with a joining fee, annual fee and add-on card fee of Rs.11,999 each. The joining fee is waived on spends of Rs.2.5 lakh within 90 days of issuance, and the annual fee is waived on yearly spends of Rs.8 lakh and above. 

Bank of India Visa Gold International Credit Card: The gold variant of Visa, accepted at domestic and foreign merchants, with no joining fee and an annual fee of Rs.300. It earns 2X reward points on POS and e-commerce spends (excluding blocked categories) and supports EMI at POS terminals managed by WorldLine Private Limited. 

Bank of India Visa Platinum International Credit Card: A Visa platinum card with no joining fee and an annual fee of Rs.500, offering up to 51 days of interest-free credit, flexible credit limits for add-on cards and a credit limit of up to 20% of gross annual income, extendable up to 40% depending on the merits of the case. 

Bank of India Mastercard Platinum International Credit Card: A Mastercard platinum card accepted at domestic and foreign merchants, with no joining fee and an annual fee of Rs.800. It offers up to 51 days of interest-free credit and a credit limit of up to 20% of gross annual income, extendable up to 40% depending on the merits of the case. 

Bank of India RuPay Bharat Credit Card: A contactless platinum international card accepted at domestic and foreign merchants, with no joining fee and an annual fee of Rs.400. It offers up to 51 days of interest-free credit, flexible credit limits for add-on cards and payment due on or before the 5th of the succeeding month. 

Bank of India RuPay Swadhan Platinum Credit Card: A platinum card issued against a term deposit receipt, with no joining fee, no annual fee and no add-on card fee. It earns 2X reward points on POS and e-commerce spends (excluding blocked categories) and is accepted at domestic and foreign merchants.

Bank of India Credit Card Charges and Interest Rates

The charges and fees for services related to Bank of India credit card are as follows.

Note: The interest rates are updated on 29 September 2026. 

Why Choose Bank of India Credit Card?

Bank of India offers nine credit card options on the RuPay, Visa and Mastercard networks, each card carefully crafted to meet its specific purpose. Customers can choose from the Bank of India RuPay Select, RuPay Platinum, RuPay Star Lakshmi, Celestia, Visa Gold International, Visa Platinum International, Mastercard Platinum International, RuPay Bharat and RuPay Swadhan Platinum Credit Cards. The Master India Domestic Credit Card is no longer issued.

All these credit cards come with a line of benefits that will offer you exclusive privileges and banking benefits. Bank of India credit cards come loaded with advantages like EMI options, worldwide acceptance, higher credit limits and flexible credit options. Bank of India credit cards are sure to be the owner's pride and will be your key to a whole new world of exclusive offers and enviable privileges.

Bank of India Credit Card Rewards

Reward structures vary by Bank of India credit card rather than following one flat scheme. The RuPay Select, RuPay Platinum, RuPay Star Lakshmi, RuPay Swadhan Platinum, Visa Gold International, Visa Platinum International and Mastercard Platinum International Credit Cards earn 2X loyalty reward points on POS and e-commerce spends, excluding restricted categories. Check the specific Bank of India credit card's own terms for its exact reward rate and redemption rules.

Bank of India Credit Card Eligibility

The eligibility conditions for Bank of India credit cards are as given below.

• Bank of India credit cards are issued to individuals of Indian origin.
• The applicant can be an individual of Indian origin, non-resident Indian or an individual of foreign origin residing in India for employment and related purposes.
• The applicant must have the documents required to complete KYC formalities.
• The applicant must have a good CIBIL credit score.
• The applicant must not have defaulted for payment of dues related to Bank of India or any other Bank.
• The customer must have a steady income and the same will be verified through the Income Tax Returns and salary slips.

Apart from the eligibility conditions mentioned above, the eligibility conditions may vary depending on the card. Also, depending on your type of employment and income source, you might be asked to submit additional documents. Do enquire with Bank of India about the documents required for your profile before proceeding with the application.

Bank of India Credit Card Documents Required

Applicants need to submit the documents mentioned below to complete the credit card application process.

Additional documents may be asked for depending on the type of the card that you are applying for. Do enquire with Bank of India about the list of documents required for your card type, nature of employment and income source before proceeding with the application process.

Summary

Bank of India offers nine issued credit card variants across the RuPay, Visa and Mastercard networks, split into international cards and the discontinued Master India domestic card. Fees, rewards and benefits differ by variant, so compare the fee tables above with your spending pattern before choosing a Bank of India credit card. Eligible resident Indians, NRIs and eligible foreign nationals can apply online, subject to the income and documentation criteria set out above. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>