Bank of India is a state owned commercial bank and it was established on 7 September 1906 and their headquarters in Mumbai. This bank provides a wide range of banking and financial services to the customers.
Bank of India Visa Gold Card is an exclusive card with numerous benefits and attractive offers. The card is also valid in Nepal and Bhutan apart from India and comes with a facility of issuance of add-on cards. Bank of India provides its customers with a unique login so as to facilitate the process of checking the status of their credit card online. Bank of India Visa Gold Card Status can be checked online to keep a track of the progress in the process of application and other information regarding the same. The bank allows its customers to make credit card applications through online as well as offline modes.
1. BOI Visa Gold Card is valid in India, Nepal and Bhutan
2. The bank provides the facility of add-on cards where the primary card holder can be issued add-on cards bearing the same features as the primary card.
3. The bank provides a revolving credit at a preferential rate to its customers.
4. The bank provides the facility of cash advance at over 4000 branches along with a free of cost facility of remittance for card payment.
5. The bank provides its customers with the option of bill payment at no additional charges through bank accounts.
6. Bank of India provides a flexible credit limit for Bank of India Visa Gold Add-On Cards.
7. The bank provides attractive reward programs on the card usage.
8. Interest free credit period of up to 51 days on purchases using the card.
9. Convenient billing cycle.
10. Balance transfer facility where you can transfer your outstanding balance from other cards to the Visa Gold Card.
11 Concession in the Mediclaim insurance premium of up to Rs.5 lakh can be availed by its cardholders.
12. Wide acceptance as it is a photo credit card and can be used in over 90,000 ATMs and at more than 2.5 lakh merchants.
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Wide acceptance |
Bank of India Visa Gold Card is a photo credit card and is accepted at over 2. 5 lakh merchant locations and can also be used to withdraw cash from over 90,000 ATMs. |
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Insurance Concession |
Cardholders can avail concession in the premium of mediclaim insurance policy for up to Rs. 5 lakhs. |
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EMIs Facility |
The cardholder can easily convert his purchases to EMI given that the value of transaction is over Rs.5000. Now, you do not have to think twice before making any costly purchases. |
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Interest free credit |
All the purchases that you make using a Bank of India Visa Gold Card will be given an up to 51 days of interest free credit period. |
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Cash Advance Facility |
Bank of India Visa Gold Cardholders can avail the cash advance facility at more than 4000 bank branches with free remittance option for credit card payment. |
To apply for a Visa Gold card, you have to pay fees and charges applied by the Bank of India. It covers all charges and fees made by a bank to their customers.The following charges are taken from the Bank of India i.e joining fee, annual fee, interest rate, late payments charges etc.
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TYPE |
CHARGES |
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Annual Fee |
Rs 600 per annum |
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Add On Card Fee |
Rs 350 per annum |
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Cash Advance Transaction Fee |
2% (minimum Rs. 50) for each transaction. |
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Duplicate Statement Request Charges |
Rs 50 |
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Return of Cheque Fee |
Minimum of Rs 100 |
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Cheque Bounce Fee |
Minimum of Rs 100 |
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Over Limit Charges |
Rs. 100/- for each transaction |
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Charge Slip Request |
Rs. 100/- or actual whichever higher |
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Air and Railway Booking charges |
Actual charges as prescribed by the Indian Railways or the acquirer bank |
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Credit Limit |
20% of annual income subject to a minimum of Rs. 30,000 and a maximum of Rs.200,000 |
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Late Payment Penalty |
Rs. 100/- in addition to finance charges for minimum payment due greater than Rs. 1000 |
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Cash Advance Limit |
50% of his total spending limit subject to Rs.15,000 per day |
Before applying for a Visa Gold card from Bank of India, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.
1. This credit card is issued to a person of Indian origin.
2. Non-resident Indians and individuals of foreign origin who are currently residing in India for employment can also apply for this card.
3. The applicant must have a gross annual income of Rs.1.50 lakhs and above.
4. The customer must have a commendable CIBIL score and should not have defaulted on any payment of dues pertaining to Bank of India or any other bank.
5. The applicant must have a steady income which will be verified from the income tax return statements and salary slips
Any applicant who is applying for a Visa Gold credit card from Bank of India must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
Bank of India Credit Card Login
Cardholders of Bank of India Credit Card can log in to their credit card account through following steps :
1. First of all, go to the official website of Bank of India
2. On this website, an option “Internet Banking” will be found on your right side, Click on it.
3. After that, two more options will come – “Personal” or “Corporate,” Click on any net banking option which you have already registered.
4. Now you will see a pop-up window in which some things related to security will be written. Click on the “OK” button or wait for some time, it will be automatically removed, and you will go to the next step.
5. Now you will reach the BOI Net Banking website. On the top left corner, you can see the option “Retail Login.” Fill User ID and Password in the given boxes.
6. After entering the ID & password, click on the “Submit” option.
7. After clicking on the Submit option, you will be reached into your account.
1. Bank of India Personal Loan
4. Bank of India Education Loan
There are two reason to apply for Bank of India Visa Gold Card :
1. Offline Method : By visiting the nearest branch of Bank of India
2. Online Method
Visit the website of the bank you wish to apply for the Visa Gold Card scheme.
From the list of options, choose the Visa Gold Card.
On clicking the option of ‘Apply’, the website will redirect you to the application page.
Fill the form with the required details and click on ‘Submit’.
On doing so, an application reference number will be sent.
If you are eligible, the bank will get back to you for the further process within 3-4 working days.
Bank of India Visa Gold Card Customer Care
Contact number : 18001031906
Email id : boi.callcenter@bankofindia.co.in
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions.
1. Login to your Bank of India net banking account
2. Go to 'Credit Cards'
3. Find the option to make 'Credit Card Bill Payment'
4. Choose between 'Total Amount Due' and 'Minimum Amount Due'
5. Click on 'Pay' to process the payment
Bank offered Financials products
Visa Gold cards deliver the recognition, security, and preferred service you demand. A Bank of India Visa Gold Card will make your purchases more rewarding. Bank of India Visa Gold Card offers EMI option at affordable interest rates wherein the cardholder can convert costly payments to instalments.
You can apply for a Bank of India Visa Gold Card online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a Bank of India Visa Gold Card.
The customer care number of Bank of India Visa Gold Card is 18001031906.
The Email id of Bank of India Visa Gold Card is boi.callcenter@bankofindia.co.in.
The minimum charges is 100 and maximum late payment charges is 1000 of Bank of India Visa Gold Card.
The annual fee of a Bank of India Visa Gold Is Rs.600.
Last Updated on : 03/Oct/2020Know More About CREDIT CARDS
You're eligible for a Bank Of India Visa Gold Card if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account