SELECT `id` FROM `tbl_card` WHERE `title` = 'India Credit Card Bank Of India' AND `card_type` = 'Credit Cards' India Credit card Bank of India - Benefits, Features, Login

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INDIA CREDIT CARD BANK OF INDIA 

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 - India Card is accepted at over 2, 50,000 merchants across India. This credit card can also be used to withdraw cash from over 9, 000 ATMs. A truly Indian credit card created exclusively for the Indians, Bank of India - India Credit card will open up a new world full of benefits and privileges. This credit card is crafted for the modern Indians who want to stay in control of their finances, this credit card offers a wide range of benefits that will take banking to the next level. Bank of India - India Cardholders do not have to pay the annual charges if a minimum of Rs. 20,000 is spent using the card the previous year.

India Credit Card Bank of India Features

1. Bank of India India Card is a Classic Card with loads of benefits

2. The bank does not charge registration fee for this card

3. The billing cycle of this card is from 16th of the current month to the 15th of next month

4. The payment for this card is to be made on or before 5th of the succeeding month

5. The card is available free of charge to the applicants

6. The card also functions as an ATM card and can be used at over 9000 ATMs

7. The bank provides an interest free credit for up to 51 days

8. The bank provides flexible credit limits for add-on cards

9. Reward points to be earned on card usage.

10. Revolving credit at preferential rate.

11. Wide acceptance at over 2,50,000 merchants.

12. The India Card from BOI is a classic card valid only in India and Nepal only.

13. Pin enabled photo card making it safe and secure for any kind of transaction.

India Credit Card Bank of India Benefits 

Insurance Premium Discount 

The policy value can be up to Rs. 5 lakhs and this facility is offered exclusively for the cardholders in partnership with National Insurance Co. Ltd.

Revolving Credit Facility 

This facility enables the cardholder to pay just 10% of the bill before the due date. 

He will be charged an interest of 1.7% per month on the remaining 90% of outstanding balance. If the entire amount is overdue, the customer will be charged an interest of 2.5% per month.

Reward Point 

For every purchase that you make, earn exciting reward points. These points can be converted to cash and you can redeem them anytime to spend according to your wish.

Interest free credit 

Cardholders can avail an interest free credit period for up to 51 days. Now you do not have to think twice before making costly purchases with your credit card.

Balance Transfer Facility

The minimum amount required to avail the balance transfer facility is Rs.10,000 for other bank cards and Rs.5,000 for India card.

India Credit Card Bank of India Fee and charges

To apply for a India credit 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.

TYPE

CHARGES

Joining Fee

NIL

Annual Fee

Waived if the minimum transaction of Rs.20,000/- during the previous year.

Minimum Expenses to Waive Annual Fees

Rs 20,000

Add On Card Fee

NA. (Presently add-on cards are allowed to the immediate relatives of primary cardholder)

Credit Limit

20 percent of annual income minimum limit: Rs.15,000/- maximum Rs.50,000/-

Free Credit Period

Maximum of up to 51 days

Over Limit Charges

Rs. 100 for each transaction

Penalty Interest Rate

1.70 percent per month

Cash Advance Transaction Fee

2.5% on cash advance amount

Return of Cheque Fee

Minimum of Rs 100

Cheque Bounce Fee

Minimum of Rs 100

Charge Slip Request

Rs. 100 or actual whichever higher

Air/Railway Booking - Transaction Charges

Actual charges as prescribed by the Indian Railways or acquirer bank.

Duplicate Statement Request Charges

Rs 50

India Credit Card Bank of India Eligibility Criteria

Before applying for a India credit 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. Bank of India - India Credit Card is issued to an individual of Indian origin.

2. The applicant must have a gross annual income of Rs.0.75 lakhs and above.

3. Individuals of foreign origin (currently residing in India for the purpose of employment) and non-resident Indians can also apply for Bank of India - India Credit Card.

4. The applicant must have a stable income which will be verified from the income tax return statements and salary slips.

5. The applicant must have a good CIBIL score and must not have defaulted on any payment of dues related to Bank of India or any other bank.

India Credit Card Bank of India Documents Required

Any applicant who is applying for a India 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.

Bank of India other products

1. Bank of India Personal Loan

2. Bank of India Car loan 

3. Bank of India Credit Card

4. Bank of India Education Loan

How to apply for India Credit Card Bank of India

There are two reason to apply for India Credit Card Bank of India :

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 India Credit Card scheme.

  • From the list of options, choose the India Credit 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.

India Credit Card Bank of India Customer Care

Contact number : 18001031906

Email id : boi.callcenter@bankofindia.co.in

Bank of India Credit Card Payment Online 

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

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

India Credit Card Bank of India Frequently Asked Questions 

1. What is an India Credit Card Bank of India?

A truly Indian credit card created exclusively for the Indians, Bank of India - India Credit card will open up a new world full of benefits and privileges. This credit card is crafted for the modern Indians who want to stay in control of their finances, this credit card offers a wide range of benefits that will take banking to the next level.

2. How can I apply for an India Credit Card Bank of India?

You can apply for an India Credit Card Bank of India for online and offline by visiting the nearest bank branch.

3. How do I contact customer care for an India Credit Card Bank of India?

You can contact through customer care toll free number and also through e-mail id for an India Credit Card Bank of India.

4. What is the customer care number of India Credit Card Bank of India?

The customer care number of India Credit Card Bank of india is 18001031906.

5. What is the Email id of India Credit Card Bank of India?

The Email id of India Credit Card Bank of India is boi.callcenter@bankofindia.co.in.

6. What is the annual fee of India Credit Card Bank of india?

The annual fee of an India Credit Card Bank of India is Rs.20000.

7. Can I use my Bank of India - India Credit Card overseas?

No, Bank of India - India Card is intended for use only in India, Bhutan and Nepal.

8. What is the maximum tenure option that I can avail under EMI facility?

You can choose to pay back the billing in instalments spread over a maximum of 36 instalments.

Last Updated on : 03/Oct/2020

Know More About CREDIT CARDS

India Credit Card Bank Of India

You're eligible for a India Credit Card Bank Of India 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