Bank of India Credit Card


  • Get Bank of India Credit Cards with limits of more than 1 lakh

  • Card accepted at millions of merchant outlets

One of the very few lenders that believe in lifting the purchasing the power of low- income groups, Bank of India (BOI) has raised the expectations galore with its wide range of credit cards. Even an individual with a gross annual income of 75K can grab a BOI card and start shopping with the same. Wow, isn’t it great? Let’s check out all its cards in this page.

Apply for Credit Card

Types of Cards and Bank of India Credit Card Offers September 2021

It offers several cards suitable for travel, shopping, besides offering a customized card for pensioners and farmers.

Credit CardsOffersFees (In ₹ Per AnnumEligibility
Visa Gold CardReward program on card usage

Interest-free credit period of up to 51 days

Enhanced security with a pin-enabled card at more than 2.5 lakh merchant locations

24-hour cash access at more than 90,000 ATMs

Cash advance facility available at more than 4,000 branches

Free remittance for card payment

No charge on bill payment via bank accounts
Principal Card - 600

Add-on card - 350
Gross annual income must be ₹1.5 lakh and above

The card is valid for use in India, Nepal and Bhutan only
VisaGold Card International CardHigh credit limit of above ₹1 lakh can be extended

Interest-free credit period of up to 51 days

Access cash from more than 8.10 lakh ATMs in VISA Global ATM Network in over 4.14 lakh locations globally

Get an opportunity to report the incident of card lost/stolen to VISA Emergency Assistance Centre (VEAC)

Emergency Card Replacement Services

Access to cash disbursement in emergency

Customer Enquiry
Principal Card - 1,500

Add-on Card - 800
One must have a gross annual income of ₹1.5 lakh and above
Visa Platinum Privilege CardCredit limit of up to ₹1 lakh

Cash limit of up to ₹50,000

Photo and signature would be shown on the credit card
Taj Premium CardA status card that comes with no charge for the cardholdersNILGiven to Taj Members only
India CardPin-enabled photo card

Interest-free credit period of up to 51 days

Enjoy revolving credit at a preferential rate of interest

Flexible credit limit offers for add-on cardholders

Accepted at more than 2,50,000 merchant establishments for retail purchase and over 9,000 ATMs for cash withdrawal from ATMs
Lifetime free cardAnnual income must be ₹0.75 lakhs and more

Applicable for India, Bhutan and Nepal only
Navy Classic CardA non-photo master card

Lifetime free card
NILOnly navy staff are eligible
Navy Gold CardLifetime free cardNILOnly top navy officials can apply for this card
Krishi Vikas CardOffered exclusively to big farmers having cash credit facilityNILOnly farmers are eligible
Credit Card for PensionersLimit based on three times the monthly pension without any TODNILOnly for pensioners

Bank of India Credit Card Limit

You must have seen credit limit offers beyond ₹1 lakh on a few BOI 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. 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

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 Bank of India Credit Card?

You can either apply online or visit the nearest bank branch to apply for BOI credit cards. All you need to do is to share a few personal and professional details be it online or the application form. The moment you submit your application, the bank would start screening it thoroughly before giving an approval.

Bank of India Credit Card Application Status

You can check the status of an application by asking the concerned bank official or the customer care.

Bank of India Credit Card Bill Payment Online

Credit card bills can be paid via internet banking, payment gateway or even cash at the bank branch. Doesn’t matter if you have the net banking access of BOI or some other banks, you can add the card to the list of the billers and receive a message regarding the bill much before the due date. You can thus keep the required sum on your account for a smooth bill payment.

Bank of India Credit Card Customer Care Number

For any credit card queries, you can reach to this 24×7 helpline number – 1800220229 and get them sorted out ASAP. So what if it’s the case of rewards or credit limit, you can ask questions and get answers to those.

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