In This Article We Know BOI Credit Card Apply 2023, BOI Credit Card Features, Benefits Of BOI Credit Card, How to Apply for BOI Credit Card, Bank of India Credit Cards: Bank of India provides a diverse range of credit cards to cater to various needs. Compare and apply for Bank of India Credit Cards in India, considering eligibility, offers, and rewards points. The range of BOI Credit Cards is designed to meet different requirements, including shopping, traveling, holidays, international use, and daily needs.
Bank of India issues its credit cards in partnership with VISA and MasterCard, both globally renowned card providers. These cards enjoy widespread acceptance and loyalty, making them globally recognized. With higher acceptability and fidelity, Bank of India credit cards offer a comprehensive solution for customers. Explore this article for detailed information on Bank of India Credit Cards.
The Bank of India Credit Card serves not only for shopping or lifestyle needs but also facilitates easy usage for our farmers through the Kisan Credit Card. Bank of India provides a range of credit cards, including:
- Bank of India Visa Gold Card
- Bank of India Visa Platinum Privilege Card
- Bank of India Visa Gold Card International Card
- Bank of India TAJ Premium Card
- Bank of India India Card
- Bank of India Credit Card for Pensioners
- Bank of India Navy Classic
- Bank of India Navy Gold
- Bank of India Krishi Vikas Card
- Bank of India – Kisan Credit Card
BOI Credit Card Features
BOI Credit Card Features BOI provides outstanding convenience and financial advantages through its latest credit card offerings, including:
- Option for branch billing or direct billing
- Minimal service charges
- No processing fees (zero entrance fees)
- 51 days of interest-free period
- BOI Credit Card Features , Easy cash withdrawal
- Convenient Easy Pay Schemes (including EMI options)
- Additional Add-On credit card
- Bank of India’s unique security plan
- BOI Star Token for enhanced security
- Access to BOI Credit Card through BOI Net Banking
Benefits Of BOI Credit Card
BOI Credit Card Features Details:
| Credit Card | Eligibility | Annual Fee | Key Features |
|---|---|---|---|
| Gold Card | For customers with gross annual income of Rs.1.50 lacs & above | Principal Card: Rs. 600 p.a., Add-on Card: Rs 350 p.a. | – Pin-enabled photo card – Secure usage at over 2,50,000 merchant locations – 24hr. cash access at over 90,000 ATMs – Revolving credit at preferential rate – Interest-free credit for up to 51 days – Cash advance facility at over 4000 branches with free remittance – Options for bill payments through branch accounts at zero charges – Flexible credit limits for add-on cards – Reward Programme on card usage – 24 hr. toll-free assistance for reporting lost/stolen cards |
| Visa Gold Card International | For customers with gross annual income of Rs 1.50 lacs & above | Principal Card: Rs 1500 p.a., Add-on Card: Rs 800 p.a. | – High spending limit (typically above Rs.1 lac) – Global cash access at over 8,10,000 ATMs in the VISA Global ATM Network – Interest-free credit for up to 51 days – Access to the VISA Emergency Assistance Centre (VEAC) – Emergency card replacement – Emergency cash disbursement – Customer enquiry – ATM locator service – Revolving credit at preferential rate of 1.7% for timely payments on due date |
| Visa Platinum Privilege Card | For Domestic and International use | Not specified | – Photo and signature of the cardholder – Maximum cash withdrawal: ATM – Rs. 50,000, POS – Upto Rs. 1 lac |
| TAJ Premium Card | Given to TAJ members | No charge | – Status card for TAJ members |
| India Card | For customers with gross annual income of Rs 0.75 lacs & above | Free Forever | – Pin-enabled photo card – Secure usage at over 2,50,000 merchant establishments – Round-the-clock cash advance at over 9000 ATMs – Interest-free credit for up to 51 days – Revolving credit at preferential rate – Flexible credit limits for add-on cards |
| Credit Card for Pensioners | Specially designed for pensioners | Not specified | – Limit based on three times monthly pension (TOD not allowed) |
| Bank Of India Krishi Vikas Card | Shatabdi Krishi Vikas Cardholders | Not specified | – Avail up to 50% of Crop Cash Credit limit (Rs. 25,000 to Rs. 50,000) – High cash withdrawal limit of up to Rs. 10,000 per day (30% of spending limit) – Insurance cover and other services under VISA Credit Card schemes for BOI |
| Documents Required | KYC-PAN, Address proof, ID Proof, One photograph, Salary slip/Form 16 | Not applicable | – |
How to Apply for BOI Credit Card
You can choose from the following options to BOI Credit Card Apply.
Instructions for Applying Via the Website
Bank of India does not offer the option to apply for a credit card through their website. Customers need to visit the nearest branch to submit their credit card application.
Instructions for Applying Through MMM
MyMoneyMantra provides a convenient online method for submitting a credit card application. Follow the steps below to apply for one.
- Log into the official mymoneymantra.com website.
- Register and create an account.
- Sign in to your account and choose the “Credit Card” option.
- Under this section, select the card of your choice.
- Fill up a simple online form.
- Once the form is filled and submitted, a representative from MyMoneyMantra will contact you for the documentation process.
- After submitting the documents, the bank will assess your application and approve it if you are eligible for the particular card.
- Once approved, the card will be sent to you via speed post or through any courier service.
Steps to Apply Offline
- Visit the nearest BOI branch.
- Submit a duly filled form along with the necessary documents.
- Ensure that all submitted KYC documents are thoroughly verified.
- After the application is submitted, it will be reviewed and approved based on the eligibility criteria for that card.
Payment Choices for Bank of India Credit Cards
Bank of India provides various payment options for its credit card holders, allowing them to conveniently settle payments for all types of BOI credit cards based on their preferences. Explore the available options below:
Online Credit Card Bill Payment through Bank of India Official Website:
- All Bank of India Credit Card holders can make payments for their outstanding credit card balances through the official BOI website.
- This service is accessible to all customers with a valid BOI Credit Card.
- Payments can be made using any bank’s internet banking services.
- Refer to the detailed procedure outlined below for step-by-step instructions.
Customers with Bank of India Direct Billing Credit Cards now have the option to securely and conveniently make their credit card payments online using the internet banking accounts of other banks.
- Visit BOI’s website – www.bankofindia.com
- Find “Credit Card Payment Option” under the “Ancillary Services” box and click on “Credit Card Bill Payment”
- You will be directed to the Credit Card Payment page; click on the “Proceed” link on the disclaimer page. Access this page directly [here](insert direct link).
- Provide necessary card details and personal information.
- Select the bank and branch through which you intend to make the payment.
- After confirming the details, the page will redirect to the payee bank’s payment page.
- Authenticate and authorize the payment by providing your credentials on the payee bank’s website.
- Upon successful verification and approval, your bank account will be instantly debited, and you will receive a success message with a reference number.
- The payment will be reflected in the Credit Card Account within 3 working days from the date of payment.
An Additional Payment Alternative for Bank of India Credit Cards
- BOI Credit Card Payment via Cheque / Draft Payment:
- Utilize National Automated Clearing House (NACH) for hassle-free monthly payments.
- Authorize BOI Card to deduct the amount directly from your bank account every month.
- Your card account will be credited on the payment due date.
- Issue cheque/draft payable to your Bank of India 16-digit Credit Card No.
- Mention your name and contact number on the reverse of the cheque/draft.
- BOI Credit Card Payment via Cash Payment:
- Make overdue payments by cash at any Bank of India branch in India.
- Quote your 16-digit credit card no.
- Cash will be deposited into the respective credit card account.
- Extra charges may apply for such payments.
- BOI Credit Card Payment via Direct Debit Facility:
- Bank of India credit cardholders with a BOI savings account can authorize online payments.
- Opt for the Auto Payment Option for credit card payments.
- Authorized bank debit on the payment due date for Minimum Payment Due Amount or total due amount.
- Sign a standing instruction form with the bank branch where the savings account is held.
- BOI Credit Card Payment via NEFT:
- Pay BOI Card dues online using National Electronic Funds Transfer (NEFT).
- Quick, simple, and secure payment method.
- Make payments at your convenience from any bank account offering the NEFT facility.
- Add Bank of India credit card as a Third-party beneficiary using BOI Net banking.
- Provide necessary details for remittance to enable Bank of India Card Division to account for the payments.
Required Details for Make BOI Credit Card Payment
| Beneficiary Name | Cardholder’s full name as on Card |
|---|---|
| Account Number | BOI 16-digit credit card number (16 Digit) |
| IFSC (Indian Financial Sector Code) of Card Division | BKID0000101 |
| Bank Name | Bank of India |
| Bank of India Credit Card Office Address | Mumbai Main Branch, 4th Floor, 70/80 MG Road, Mumbai 400 021 |
| Amount | Amount of payment |
FAQ?: BOI Credit Card Apply 2023
Submit a duly filled and signed credit card application form to the nearest bank branch, ensuring that your KYC documents have undergone verification.
Bank of India provides a variety of credit card options, including the India Card, India Gold Card, International Card, International Gold Card, and Platinum Privilege Card.
Typically, the billing cycle initiates on the 1st day of the month and concludes on the last day of the month. The statement is dispatched to the cardholder by the 5th of the subsequent month, with the payment due by the 21st of that month.
For the India Card, the billing cycle spans from the 16th of the current month to the 15th of the next month. The statement is generated on the 16th and sent to the cardholder before the 20th. Payment is required to be settled on or before the 6th of the following month.
