Bank of India Visa Gold Credit Card
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
The value of 1 StarPoint = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 spent. Effective cashback rate: 0.50%.
3 StarPoints on every Rs. 100 spent at a merchant falling under the Preferred category. Effective cashback rate: 0.75%.
Movie Benefits
Dining Benefits
Other Benefits
The card is accepted at all domestic and foreign merchants across the globe.; EMI at POS facility is available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of bank.; Maximum amount of cash limit is 50% of the spending limit.; The maximum amount of cash that can be withdrawn from – ATM – Rs 15,000 per day from any ATM locations worldwide.; Flexible credit limits for add-on cards.
Lounge Access
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
The value of 1 StarPoint = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 spent. Effective cashback rate: 0.50%.
3 StarPoints on every Rs. 100 spent at a merchant falling under the Preferred category. Effective cashback rate: 0.75%.
Movie Benefits
Dining Benefits
Other Benefits
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Lounge Access
Fees & Charges
Joining Fee
INR 500.
Annual Fee
Annual Fee: INR 500
Cash Advance Fee
2.5% on cash advance amount�
Interest rate
Interest Rates: 1.70% per month (20.45% per annum).
Late Payment Fee
Late Payment Fees: 2.50% of the outstanding balance
Foreign Currency Transactions Fee
Foreign transaction fee: 3% on all foreign currency transactions.
Other Fees
Cash Advance charges: 2.5% on cash advance amount | Reward Redemption Fee- NIL
Fees & Charges
Joining Fee
INR 500.
Annual Fee
Annual Fee: INR 500
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 1.70% per month (20.45% per annum).
Late Payment Fee
Late Payment Fees: 2.50% of the outstanding balance
Foreign Currency Transactions Fee
Foreign transaction fee: 3% on all foreign currency transactions.
Other Fees
Cash Advance charges: 2.5% on cash advance amount | Reward Redemption Fee- NIL
Special Features
None
Eligibility Criteria
Minimum age of the card holders should be 18.
Only Indian residents can apply.
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
How to apply for Credit Card?
Visit the Bank of India website and click on the "Apply for Credit Card" tab.
Select the "Visa Gold Credit Card" from the list of credit cards.
Enter your personal details, such as your name, address, and contact information.
Enter your employment details, such as your employer's name and contact information.
Enter your income details. Upload a copy of your PAN card and recent salary slip.
Submit your application.
A Bank of India representative will contact you to verify your details and schedule an appointment for you to submit your documents.
Once your application is approved, you will receive your credit card in the mail within 7-10 working days.
Contact Details
Account Opening and Procedure
The Bank of India Visa Gold Card is valid in India, Bhutan and Nepal and it’s an exclusive card with numerous benefits and attractive offers. The card gives maximum advantage to those who want a whole lot of benefits with a low maintenance card. This card allows transaction at around 2.5 lakh merchant locations spread across these three countries. The card is specially crafted for those who want to combine sheer convenience with the ease of managing their expenses. The Bank of India Visa Gold Credit Card makes sure that customers don’t face any hassle while shopping. The EMI options with affordable interest rates make it all the more easier for customers to benefit from this card.
The Bank of India Visa Gold Card is valid in India, Bhutan and Nepal and it’s an exclusive card with numerous benefits and attractive offers. The card gives maximum advantage to those who want a whole lot of benefits with a low maintenance card. This card allows transaction at around 2.5 lakh merchant locations spread across these three countries. The card is specially crafted for those who want to combine sheer convenience with the ease of managing their expenses. The Bank of India Visa Gold Credit Card makes sure that customers don’t face any hassle while shopping. The EMI options with affordable interest rates make it all the more easier for customers to benefit from this card.
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