Bank of India (BOI) Visa Gold International Credit Card

Tailored for globetrotters and adventure seekers, the BOI Visa Gold International Credit Card offers global acceptance and an array of benefits. Say goodbye to the inconvenience of carrying cash everywhere. Cardholders enjoy perks like reward points, EMI options, balance transfers, increased purchasing power, insurance benefits, interest-free credit, and affordability. Elevate your shopping and banking experience with the Bank of India (BOI) Visa Gold International Credit Card.

Features and Benefits of Bank of India (BOI) Visa Gold International Credit Card

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

  1. Global Acceptance: BOI Visa Gold International Credit Card is accepted worldwide at both domestic and foreign merchants.
  2. EMI at POS: Enjoy EMI at POS facilities specifically at M/S WorldLine Private Limited-managed/owned POS, regardless of the bank.
  3. 2X Reward Points: Earn 2X Reward points on both POS and ECOM transactions, excluding blocked categories.
  4. Cash Limit: The maximum cash limit is 50% of the spending limit, providing flexibility in cash withdrawals.
  5. ATM Withdrawals: Cash withdrawals up to Rs. 15,000 per day are permitted from any ATM location worldwide.
  6. Billing Cycle: The billing cycle spans from the 16th of the current month to the 15th of the next month.
  7. Payment Deadline: Payments are due on or before the 5th of the succeeding month, aligning well with the needs of the salaried class.
  8. Flexible Credit Limits: Enjoy flexible credit limits for add-on cards, tailoring the credit experience to individual needs.

BOI Visa Gold International Credit Card Fees and Charges

Explore the fee structure for the BOI Visa Gold International Credit Card and discover the financial advantages that come with it.

  1. Issuance Fee: Obtain the card for Rs. 500/-.
  2. Annual Maintenance Charges (AMC) – Principal Card: Pay an annual fee of Rs. 500/- for the principal card.
  3. AMC – Add-On Card: For each add-on card, an annual maintenance fee of Rs. 300/- is applicable.
  4. Card Replacement Fee: In case of card replacement, a fee of Rs. 300/- is charged.

Eligibility Criteria for BOI Visa Gold International Credit Card

Here are essential criteria for applying for an BOI Visa Gold International Credit Card:

  1. Individuals: Enjoy BOI Visa Gold International Credit Card benefits.
  2. Staff/Non-staff: Secure finances with exclusive perks.
  3. Private Limited Companies: Elevate financial transactions for your company.
  4. Partnership Firms: Experience seamless transactions and rewards.
  5. Public Limited Companies: Unlock privileges for corporate spending.
  6. Income Verification: Customers need a stable income verified through Income Tax Returns.

Documents Required for BOI Visa Gold International Credit Card

To apply for the BOI Visa Gold International Credit Card, you will typically need to provide the following documents:

1. Proof of Identity: Choose one from Passport, Driving License, Voter ID, Aadhaar Card, or PAN Card.
2. Address Proof: Submit one of the following: Recent Electricity Bills, Telephone Bills, Passport, or Voter ID.
3. Income Proof Documents: Provide Recent IT Returns, the last six months of bank account statements displaying salary credits, and relevant salary slips.

How To Apply for BOI Visa Gold International Credit Card?

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

Online Application for BOI Visa Gold International Credit Card:

  1. Visit BOI Website: Go to the official Bank of India website.
  2. Select Credit Cards Section: Navigate to the “Credit Cards” section.
  3. Choose Visa Gold International Card: Select the BOI Visa Gold International Credit Card.
  4. Complete Online Form: Fill out the online application form with personal details.
  5. Upload Documents: Upload necessary documents like ID, address proof, and income proof.
  6. Submit Application: Submit the application form online.
  7. Track Application: Use the provided tracking feature to check your application status.

Offline Application for BOI Visa Gold International Credit Card:

  1. Visit BOI Branch: Go to a nearby Bank of India branch.
  2. Request Application Form: Ask for the Visa Gold International Credit Card application form.
  3. Complete Form: Fill in the required details on the form.
  4. Attach Documents: Attach photocopies of essential documents (ID, address proof, income proof).
  5. Submit to Bank Representative: Submit the completed form and documents to the bank representative.
  6. Follow-up: Inquire about the processing time and periodically check the application status.

Conclusion:

The BOI Visa Gold International Credit Card caters to individuals seeking a simple and globally accepted credit solution. With its affordability, ease of use, and international functionality, this credit card is well-suited for those who prioritize practicality over elaborate perks. Whether you’re a frequent traveler or someone looking for a basic credit card, the BOI Visa Gold International Credit Card offers a no-nonsense approach to financial convenience.

Frequently Asked Questions (FAQs)

Q: What is the BOI Visa Gold International Credit Card?

A: It’s a global credit card from Bank of India offering international acceptance and diverse benefits.

Q: How can I apply for the BOI Visa Gold International Credit Card?

A: Apply online on the BOI website or visit a branch for offline application.

Q: What documents are needed for the application process?

A: Common requirements include ID proof, address proof, and income proof.

Q: What are the key features of this credit card?

A: Global acceptance, reward points, EMI options, balance transfer, insurance benefits, and more.

Q: Can I track my BOI Visa Gold International Credit Card application online?

A: Yes, use the provided tracking feature on the BOI website.

Q: Are there any annual fees for this credit card?

A: Check the latest fee structure on the BOI website or contact customer service.

Q: What benefits come with the BOI Visa Gold International Credit Card?

A: Rewards, EMI options, balance transfer facility, increased purchasing power, and insurance benefits.

Q: How do I redeem reward points earned with this credit card?

A: Check the redemption options on the BOI website or inquire with customer service.

Q: Is there an interest-free period on this credit card?

A: Yes, the card typically offers an interest-free period; details can be found in the terms.

Q: What should I do if my BOI Visa Gold International Credit Card is lost or stolen?

A: Immediately report the loss to BOI’s customer service to block the card and request a replacement.