None.
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Bank of India SwaDhan Rupay Platinum Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 on regular spending.
Effective general cashback rate: 0.50%.
4 StarPoints on every INR 100 spent at point of sales transactions and ecommerce transactions.
Effective cashback rate: 1%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Flexible credit limits for add-on cards.
Lounge Access
2 free domestic lounge visits per quarter and 2 free international lounge visits per year.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 on regular spending.
Effective general cashback rate: 0.50%.
4 StarPoints on every INR 100 spent at point of sales transactions and ecommerce transactions.
Effective cashback rate: 1%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Flexible credit limits for add-on cards.
Lounge Access
2 free domestic lounge visits per quarter and 2 free international lounge visits per year.
Fees & Charges of
Bank of India SwaDhan Rupay Platinum Credit Card
Joining Fee
INR 0.
Annual Fee
INR 500
Cash Advance Fee
Cash advance fee: 2.5% of the amount withdrawn, or Rs. 50, whichever is higher
Interest rate
Interest Rate: 22.45% per annum (p.a.)
Late Payment Fee
Late payment fee: 3% of the outstanding amount, or Rs. 500, whichever is higher
Foreign Currency Transactions Fee
3.50%
Other Fees
Foreign transaction fee: 3.5% of the transaction amount | Reward redemption fee:NIL
Joining Fee
INR 0.
Annual Fee
INR 500
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 22.45% per annum (p.a.)
Late Payment Fee
Late payment fee: 3% of the outstanding amount, or Rs. 500, whichever is higher
Foreign Currency Transactions Fee
3.50%
Other Fees
Foreign transaction fee: 3.5% of the transaction amount | Reward redemption fee:NIL
Fee and Charges of
Bank of India SwaDhan Rupay Platinum Credit Card
Special Features
None
Eligibility Criteria
Minimum age of the card holders should be 18.
Individual, Staff/non-staff, private limited company, partnership firms, public limited company.
Customer should be having steady source of income verifiable through Income Tax Returns.
Speical Feature, Eligibility and Benefits of
Bank of India SwaDhan Rupay Platinum Credit Card
How to apply for Credit Card?
Visit your nearest Bank of India branch.
Fill out the application form and submit it along with the required documents.
The required documents are: Identity proof: A copy of your PAN card, Aadhaar card, or passport. Address proof: A copy of your voter ID card, driving license, or utility bill. Proof of income: A copy of your latest salary slip or income tax return.
The Bank of India will review your application and will contact you if your application is approved.
Contact Details
Account Opening and Procedure of
Bank of India SwaDhan Rupay Platinum Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
Bank of India SwaDhan Rupay Platinum credit card is a secured credit card. The card is issued against a fixed deposit that is used as security. Customers will be able to earn interest on the deposit while using their credit card. However, it's important to note that this card is not issued to individuals without an existing fixed deposit and the limited acceptance and lower reward rate may not be ideal for frequent travelers or high spenders.
Bank of India SwaDhan Rupay Platinum credit card is a secured credit card. The card is issued against a fixed deposit that is used as security. Customers will be able to earn interest on the deposit while using their credit card. However, it's important to note that this card is not issued to individuals without an existing fixed deposit and the limited acceptance and lower reward rate may not be ideal for frequent travelers or high spenders.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai