Bank of India Visa Gold Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
Bank of India Visa Gold Credit Card
Bank Name :
Bank Of India
प्रकार
Lifestyle Credit Card
ब्याज दर
1.70% per month (20.45% per annum).
पात्रता
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
पेशेवरों
Reward System: The value of 1 StarPoint = INR 0.25.Users will get 2 StarPoints for every Rs. 100 regular spends. 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%. Users must select exactly one Preferred category at the time of registration.
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.
Customers will get 2X reward points in POS an ECOM transactions. (Excluding Blocked Categories).
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The maximum amount of cash that can be withdrawn from – ATM – Rs. 15,000 per day from any ATM locations worldwide.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.
दोष
No complimentary lounge visit.
Few add-on features.
No welcome benefit.
पक्ष विपक्ष
Welcome Benefits
None
पुरस्कार प्रणाली
The value of 1 StarPoint = INR 0.25. Users will get 2 StarPoints for every Rs. 100 regular spends. 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%. Users must select exactly one Preferred category at the time of registration.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
IFM- upto 3%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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
फ़ायदे
An interest-free credit period of 51 days.
Rewards system.
Lost/stolen card liability cover.
Extended warranty.on.
Extended warranty
Airport lounge access.
Golf privileges.
24/7 customer care.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: The value of 1 StarPoint = INR 0.25.Users will get 2 StarPoints for every Rs. 100 regular spends. 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%. Users must select exactly one Preferred category at the time of registration.
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.
Customers will get 2X reward points in POS an ECOM transactions. (Excluding Blocked Categories).
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.
No complimentary lounge visit.
Few add-on features.
No welcome benefit.
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.
Bank of India Visa Gold Credit 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
उत्पाद समीक्षा
फीस एवं प्रभार
Joining fee: INR 500. Annual Fee: INR 500
Cash Advance charges: 2.5% on cash advance amount
Interest Rates: 1.70% per month (20.45% per annum).
Late Payment Fees: 2.50% of the outstanding balance
Foreign transaction fee: 3% on all foreign currency transactions.
Reward Redemption Fee- NIL
ईंधन अधिशुक्ल
No fuel surcharge.
Billing Cycle
30 Days