Bank of India (BOI) Rupay Platinum International Credit Card

The BOI Rupay Platinum International Credit Card stands out as a powerful financial tool that seamlessly blends domestic utility with international flair. As a proud creation of Bank of India (BOI), this credit card aims to redefine your payment experience and elevate your financial lifestyle. In this review, we’ll explore the key features, benefits, and potential considerations associated with the BOI Rupay Platinum International Credit Card.

Features and Benefits of BOI Rupay Platinum International Credit Card

The Bank of India (BOI) Rupay Platinum International Credit Card offers several features and benefits:

  1. Globally Accepted: Use the card at domestic and international merchants worldwide.
  2. Insurance Cover: Enjoy up to Rs. 2 lakhs coverage by NPCI for peace of mind.
  3. 24/7 Concierge: Access round-the-clock concierge services for convenience.
  4. Reward Points: Earn 2X points on POS and ECOM transactions, excluding blocked categories.
  5. EMI at POS: Avail EMI facility on POS managed by M/S WorldLine Private Limited.
  6. Cash Limit: Get a cash limit of up to 50% of the spending limit for flexibility.
  7. ATM Withdrawal: Withdraw up to Rs. 15,000 per day from ATMs.
  8. Billing Cycle: From the 16th of the current month to the 15th of the next month.
  9. Payment Deadline: Pay on or before the 5th of the succeeding month, ideal for salaried individuals.
  10. Add-On Cards: Enjoy flexible credit limits for supplementary cards.

BOI Rupay Platinum International Credit Card Fees and Charges

Explore the fee structure for the Bank of India Rupay Platinum International Credit Card and discover the financial advantages that come with it.

  1. No issuance fee for BOI Rupay Platinum International Credit Card.
  2. Zero Annual Maintenance Charge (AMC) for principal cardholders.
  3. No AMC for add-on cardholders.
  4. Card replacement cost is Rs. 300.

Eligibility Criteria for BOI Rupay Platinum International Credit Card

Here are essential criteria for applying for an BOI Rupay Platinum International Credit Card:

1. Eligibility Criteria:

  • For Individuals
  • Staff/Non-staff
  • Private Limited Company
  • Partnership Firms
  • Public Limited Company

2. Income Verification:

  • Customers must have a steady income.
  • Income verified through Income Tax Returns.

3. Versatile Acceptance:

  • Tailored for diverse individuals and entities.
  • Inclusive of private and public limited companies.

4. Financial Prerequisites:

  • Suits those with a consistent income source.
  • Income Tax Returns serve as verifiable proof.

Documents Required for BOI Rupay Platinum International Credit Card

To apply for the Bank of India (BOI) Rupay Platinum International Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

  • Aadhar card
  • Passport
  • Voter ID
  • Driving license

2. Address Proof:

  • Utility bills (electricity, water, gas)
  • Aadhar card
  • Passport
  • Voter ID

3. Income Proof:

  • Salary slips
  • Income Tax Returns
  • Bank statements

4. Photographs: Passport-sized photographs
5. Application Form: Duly filled credit card application form provided by BOI.

How To Apply for BOI Rupay Platinum International Credit Card?

Follow these steps to apply for the Bank of India (BOI) Rupay Platinum International Credit Card online or offline:

Online Application:

  1. Visit the Official Website: Go to the Bank of India official website.
  2. Navigate to Credit Cards Section: Find the credit cards section on the website.
  3. Choose RuPay Platinum International Credit Card: Select the BOI RuPay Platinum International Credit Card from the list of available cards.
  4. Click on ‘Apply Now’: Fill out the online application form with accurate details.
  5. Submit Required Documents: Upload the necessary documents, including identity proof, address proof, income proof, and photographs.
  6. Review and Submit: Review your application and submit it online.
  7. Follow Up: Monitor your application status and respond promptly to any additional requirements or queries from the bank.

Offline Application:

  1. Visit BOI Branch: Visit a Bank of India branch near you.
  2. Collect Application Form: Request the application form for the RuPay Platinum International Credit Card from the bank.
  3. Fill in the Form: Complete the form with accurate details.
  4. Attach Documents: Attach the required documents such as identity proof, address proof, income proof, and photographs.
  5. Submit the Application: Submit the filled application form along with the documents to the bank representative.
  6. Follow Up: Inquire about the status of your application and provide any additional information if required.

Conclusion:

The BOI Rupay Platinum International Credit Card presents a well-rounded offering, combining international functionality with practical features and benefits. Whether you’re a frequent traveler or someone who values financial flexibility, this credit card could be a worthy addition to your wallet. With its low annual fee, robust rewards program, and comprehensive insurance coverage, it stands as a competitive choice in the credit card landscape.

Frequently Asked Questions (FAQs)

Q: What is the BOI RuPay Platinum International Credit Card?

A: It’s a credit card from Bank of India offering international privileges with the RuPay network.

Q: How can I apply for the BOI RuPay Platinum International Credit Card?

A: Apply online through the official BOI website or visit a branch for an offline application.

Q: What documents are required for the credit card application?

A: Commonly required documents include ID proof, address proof, income proof, and photographs.

Q: Is there an annual fee for the BOI RuPay Platinum International Credit Card?

A: Check the latest fee structure; typically, there might be an annual fee or it could be waived.

Q: Can I use the BOI RuPay Platinum International Credit Card internationally?

A: Yes, the card is designed for international use where RuPay is accepted.

Q: What are the features and benefits of the BOI RuPay Platinum International Credit Card?

A: Enjoy international privileges, rewards, and exclusive benefits. Check BOI’s official website for details.

Q: How can I check the status of my BOI RuPay Platinum International Credit Card application?

A: Contact BOI’s customer service or visit the nearest branch for application status inquiries.

Q: Is there a grace period for bill payments?

A: Check your credit card terms, typically a grace period is provided before interest accrues on outstanding amounts.

Q: What is the credit limit offered with this card?

A: Credit limits vary based on individual creditworthiness; the bank will determine this during the application process.

Q: How do I report a lost or stolen card?

A: Contact BOI’s customer service immediately to report the loss; the bank will guide you through the necessary steps.