Bank of India Credit Card Apply 2024 – Types, Details & Benefits

Bank of India Credit Card Apply 2024 – Types, Details & Benefits: In this article, we will know in detail what is Bank of India credit card, eligibility for making this card, what are the documents and how can we apply for this card etc., so you read this article till the end. .

With the help of credit card, we can meet our many types of expenses like shopping, traveling, booking tickets, hotel stay etc. You can apply for Bank of India both online and offline.

Bank of India Credit Card Details

First of all, you need to know what is a credit card. A credit card is a financial instrument that allows customers to make transactions without making immediate payments. In the credit card, the bank gives you a limit which is called credit card limit. You cannot transact more than this limit. After a period, you have to pay these money back to the bank. This limit given under the credit card depends on the applicant’s CIBIL score, income, credit history.

The bank offers various types of credit cards as per the requirement of the customers. Each BOI Credit Card can have different types of eligibility, benefits etc. You can apply for the Bank of India credit card you need. The joining fee and annual fee may be different for each card. You can contact the bank for more information regarding this.

Bank Of India Credit Card Types

The bank offers various types of credit cards to the customers. You can also contact your nearest bank branch for more information about these credit cards. Credit card details are given here:

• Domestic Credit Card
• International Credit Card
• SwaDhan Rupay Platinum

BOI Domestic Credit Card:

This card is a classic card with a photo or a non-photo. This card is valid for domestic use only in India and Nepal. The features and benefits of this card are as follows:

Features & Benefits:

• If you only need the card to meet your expenses in India and Nepal, then you can apply for this card.
• The billing cycle in this credit card is from the 16th of the current month to the 15th of the next month.
• You have to make the payment on or before 5th of the next month.
• The biggest advantage of this Bank of India Credit Card is that you can use it for 51 days without any interest.
• EMI is available at POS facility at POS managed/owned by M/s Worldline Pvt Ltd.
• Avail the advantage of flexible credit limits for add-on cards.
• Avail reward points on card usage.
• Also read: Bank Of Baroda Credit Card

Read Also: Citibank Credit Card Apply

BOI International Credit Cards:

Features and Benefits:

• This BOI Credit Card is valid in India, Nepal and all foreign centers across the world.
• If you keep traveling the world then this card can be beneficial for you.
• The maximum amount of cash limit in this card is 50% of the spending limit.
• Maximum Rs.15,000 You can withdraw cash from ATM every day.
• The billing cycle is from the 16th of the current month to the 15th of the following month.
• The payment is to be made on or before 5th of the next month which is mostly as per the requirement of the salaried class.
• EMI is available at POS facility at POS managed/owned by M/s Worldline Pvt Ltd.
• Flexible credit limit for add-on cards.
• The beneficiary is given the benefit of rewards on the use of the card.

BOI Swadhan RuPay Platinum:

Benefits and Features:

• Swadhan RuPay Platinum Credit Card has been issued for TDR.
• This credit card is a chip card without a photo.
• This Bank of India Credit Card is valid in India, Nepal and all foreign centers around the world.
• The billing cycle is from the 16th of the current month to the 15th of the following month.
• The payment is to be made on or before 5th of the next month mostly as per the requirement of the salaried class.
• EMI at POS facility is available at POS which is managed/owned by M/s Worldline Pvt Ltd, irrespective of the bank.
• Flexible credit limit for add-on cards.
• The beneficiary is given the benefit of rewards on the use of the card.

Read Also: ICICI Credit Card Apply

BOI Credit Card Eligibility

Only those people can apply for this credit card who are eligible for it. This eligibility may vary depending on the type of credit card. For more information about eligibility, you can also contact your nearest bank branch. Some of the general eligibility are as follows:

• The applicant must be an Indian resident.
• You must have all the documents required to complete the KYC formalities.
• Your CIBIL score must be very good.
• The customer should have a good employment from which he is getting a good income.
• You must be 18 years of age or above.
• Other eligibility.

Documents Need for Bank of India Credit Card 

To apply for BOI Credit Card, you must have all the necessary documents so that whenever the bank asks you for documents, you can immediately show them all the documents. Documents can be of different types depending on the type of credit card. For more information about the document, you can also contact your nearest bank branch.

Following are the documents to apply:

• A Selfie 
• ID Proof: Passport / Voter ID / PAN Card / Aadhar Card / Driving License etc.
• Address Proof: Passport / Telephone Bill / Aadhar Card / Electricity Bill / Voter ID Card etc.
• Income Proof:
• Latest IT Returns
• Bank statement of last 3 months
• Form 16
• Salary slip of last 3 months

Read Also: Tamilnad Mercantile Bank Business Loan

How to apply for Bank of India Credit Card?

If you fulfill all the conditions of the credit card, then you can apply for it both online and offline. To apply, follow the steps given below:

Bank of India Credit Card Online Apply

• To apply online, you have to first go to the official website of the bank bankofindia.co.in.
• On the home page of the website, you will see the option of Cards, click on it.

• On the next page, a list of all credit cards will open in front of you.
• Click on the credit card you wish to apply for.
• All the information related to the credit card will come in front of you.

To apply, the option of Apply Now will appear, you can apply by clicking on it.

How to apply offline BOI Credit Card?

• To apply offline, you have to first go to your nearest Bank of India branch.
• Contact the bank employee who will provide you complete information about the credit card.
• Then your documents will be verified.
• You have to fill a form and attach documents with it.
• And deposit it in the bank.
• If your application is approved, you will be issued a credit card.

BOI Credit Card Customer Care No.

The bank offers many types of credit cards, whose eligibility, documents, charges are different. If you want to get other information about this credit card, then you can call the customer care number of the bank.

BOI credit Card Enquiries : 1800 220 088, Land Line : (022) 40426005/40426006
Toll Free : 1800 220 229 or 91-22-40919191

My Last Word:

In this article, we have provided you complete information about Bank of India Credit Card in Hindi. Any person who needs a credit card can join the Bank of India credit card. Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

Some FAQ’s Related to BOI  Credit Card