Credit Card Apply Online12709 views
Highlights
Get Bank of India Credit Cards with limits of more than 1 lakh
Card accepted at millions of merchant outlets
If you're searching for what is going to happen to your credit cards post the RBI's decision of giving a 3-month moratorium period for all retail borrowers in its monetary policy meet held on March 24-27, 2020, let's be told that it's going to cover you too. But, in your best interest, it is advisable to pay your bills on or before the due date as the interest will be accrued for three months and get combined together to form a tall amount at the end of the moratorium period. So, if you get your salary during this phase, look to pay off your bills. The moratorium, which was ending on May 31, 2020, has been extended till August 31, 2020.
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.
Table of Contents
- 1 Types of Cards and Bank of India Credit Card Offers July 2020
- 2 Bank of India Credit Card Limit
- 3 Bank of India Credit Card Eligibility
- 4 Documents Needed to Apply for Bank of India Credit Card
- 5 How to Apply for Bank of India Credit Card?
- 6 Bank of India Credit Card Bill Payment Online
- 7 Bank of India Credit Card Customer Care Number
Types of Cards and Bank of India Credit Card Offers July 2020
It offers several cards suitable for travel, shopping, besides offering a customized card for pensioners and farmers.
| Credit Cards | Offers | Fees (In ₹ Per Annum | Eligibility |
|---|---|---|---|
| Visa Gold Card | Reward 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 Card | High 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 Card | Credit 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 Card | A status card that comes with no charge for the cardholders | NIL | Given to Taj Members only |
| India Card | Pin-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 card | Annual income must be ₹0.75 lakhs and more Applicable for India, Bhutan and Nepal only |
| Navy Classic Card | A non-photo master card Lifetime free card | NIL | Only navy staff are eligible |
| Navy Gold Card | Lifetime free card | NIL | Only top navy officials can apply for this card |
| Krishi Vikas Card | Offered exclusively to big farmers having cash credit facility | NIL | Only farmers are eligible |
| Credit Card for Pensioners | Limit based on three times the monthly pension without any TOD | NIL | Only 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.
