BOI RUPAY SWADHAN PLATINUM Credit Card

Apply for the best credit card of Bank Of India

Last updated:28-Dec-24 Writen by Narendra User Profile
BOI RUPAY SWADHAN PLATINUM Credit Card
  • Best suitable for: Rupay
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Boi Rupay Swadhan Platinum Credit Card

BOI RUPAY SWADHAN PLATINUM Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:1.70 per cent per month | 20.4 Annual
Spend Based Waiver:Lifetime Free
Over Limit Penalty:2% of overlimit amount, subject to a minimum of 250/-
Rent Payment chargesNULL
Forex Charges:3.0% of the transaction value
Minimum Repayment Amount:10% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:500/- per returned cheque
Late Payment Charges:Late payment fee for 1 month -Rs 100/-

BOI RUPAY SWADHAN PLATINUM Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 18 years old.
Income: A stable annual income is essential, typically a net monthly income of 25,000/- or more and Self-employed individuals may need to show higher income proof
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
Existing Relationship with the Bank: Preference may be given to existing customers of Bank of India who have a good banking relationship, such as maintaining a savings account or existing loan repayments.
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

BOI RUPAY SWADHAN PLATINUM Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2% (Min. INR 50) of the cash amount
Cash Advance Withdrwan Limit: 50% of the credit Limit
Cash Payment at Bank Branch: NIL

BOI RUPAY SWADHAN PLATINUM Credit Card: Customer care and helpline

Customer care : 1800220088 / 022-40426005 / 022-40426006
Email Address : [email protected]
Mailing Address: BANK OF INDIA STAR HOUSE C - 5, “G” Block,Bandra Kurla Complex, Bandra (East), Mumbai 400 051

Add-on Card facility: NIL

Card replacement fee: Rs 300 + GST

Rewards Redemption Fee: -

Domestic lounge:

International Lounge:

Fuel Surcharge:Waiver capped at 100 every billing cycle

FAQ of BOI RUPAY SWADHAN PLATINUM Credit Card

Q1. What is the annual fee of BOI RUPAY SWADHAN PLATINUM Credit Card?
The BOI RUPAY SWADHAN PLATINUM Credit Card offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the BOI RUPAY SWADHAN PLATINUM Credit Card?
The BOI RUPAY SWADHAN PLATINUM Credit Card has an interest rate of 1.70 per cent per month | 20.4 Annual

Q3. Are there foreign transaction fees on the BOI RUPAY SWADHAN PLATINUM Credit Card?
Yes, The BOI RUPAY SWADHAN PLATINUM Credit Card charges a 3.0% fee for all transactions in foreign currency .

Q4. What is the credit limit of BOI RUPAY SWADHAN PLATINUM Credit Card?
The credit limit for the BOI RUPAY SWADHAN PLATINUM Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Bank Of India does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Bank Of India offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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