List of Bank of India Lifetime Free Credit Cards

The Bank of India Lifetime Free Credit Card is a smart, free tool for everyday use in a world where convenience shapes how people spend their money. These cards give you both freedom and security because there are no joining or annual fees.

They give you rewards and freedom for everything from shopping and eating out online to travelling and more. The number of credit card users in India has more than doubled over the last five years, to about 111 million.

So, look through the list of Lifetime Free Credit Cards of Bank of India and pick the one that best fits how you spend money.

4 Lifetime Free Credit Cards of Bank of India

1. BOI RuPay Select Credit Card

Features and Benefits

• Availability of 24*7 concierge services
• Annual membership of Amazon Prime on a complimentary basis
• Lounge access to 8 free domestic airports in India
• Lounge access to 2 international airports each year
• Access to Swiggy One Membership each year for 3 months
• Minimum discount of ₹250 for purchasing at least 2 tickets per month from BookMyShow
• A discount voucher of at least ₹200 per month on Big Basket

RuPay Select credit card is another well-known premium segment card with no joining fees. This card, however, has a minimal maintenance charge of ₹800. It is compatible with UPI for quick payments, offers online and international payments, and ensures a safe purchase with RuPay's advanced technology. Bank of India's lifetime free credit card benefits provide a high-quality, low-cost option for frequent shoppers and travellers.

2. BOI RuPay Platinum Credit Card

Features and Benefits

• 24*7 availability of concierge services, from travel assistance and hotel reservations to consultancy services 
• Insurance coverage of up to ₹2 lakh as offered by NPCI (includes Personal Accident and Permanent Disability)
• Earn 2X Loyalty Rewards points in both ECOM and POS transactions, which excludes the restricted categories 
• No restricted credit limit applicable for add-on cards
• The maximum cash limit is 50% of the spending limit 
• Avail an interest-free credit period of 51 days
• Maximum withdrawal cash amount from ATMs includes ₹15,000 each day

By opting for this credit card, users can enjoy the benefits of flexibility and broad acceptance, both locally and internationally. It is the most appropriate option for professionals and families who require several add-on cards and want to share the benefits. It is supported by the RuPay network, which facilitates transactions both nationally and internationally.

3. BOI RuPay Swadhan Platinum Credit Card

Features and Benefits

• Wide acceptability of cards across all domestic and foreign merchants across the globe
• EMI at the POS facility is globally available on the POS owned by M/S WorldLine Private Limited 
• Earn 2x reward points in POS and ECOM-related transactions (which excludes the blocked categories)
• The maximum cash limit is 50% of the spending limit.
• The bill payment cycle to follow is from the 16th of the present month to the 15th of next month.
• Flexible form of credit limit applicable for add-on cards

This secured credit card is designed for customers with no credit history. It also offers the advantage of fostering trust and financial discipline through its deposit-guaranteed scheme. It helps people improve their credit histories and provides the convenience of an international card. 

4. BOI RuPay Bharat Credit Card

Features and Benefits

• Widely accepted by both domestic and foreign merchants across the globe
• The credit limit set is a maximum of 20% of gross Annual Income 
• Interest-free credit period for up to 51 days
• Mandatory to make payment on or before the 5^th of the next month, meeting the requirements of salaried individuals
• Avail a 3-month membership of Swiggy Lite each quarter
• Redeem discount vouchers of ₹250 per quarter at either Flipkart or Amazon

RuPay Bharat credit card is another popular card with no joining fees but a minimum maintenance charge of ₹400. BOI RuPay Bharat Credit Card targets the daily earners who seek affordability and an easy repayment method. Meeting the Bank of India lifetime free credit card eligibility requirements is easy.

It focuses on making it inclusive and thus provides avenues to credit access to salaried and self-employed people. The card facilitates both local and international payments and promotes safe spending behaviour through the RuPay secure payment system and the bank's clear billing system.

💡Pay your credit card bills in an easy and secure way with the PICE App.

How to Apply for a Bank of India Lifetime Free Credit Card?

Application for a lifetime free credit card at Bank of India is simple and hassle-free. Here is a detailed step-by-step guide to follow for the Bank of India lifetime free credit card apply online:

Step 1: Go to the official website of the Bank of India and visit the “Credit Cards” section located under the products menu.

Step 2: Select your preferred lifetime free credit card from the provided list.

Step 3: Click on the "Apply Now" section and then fill in all necessary income and personal details. 

Step 4: Keep your Aadhaar card, PAN card, income proof and address proof ready for document upload. 

Step 5: Review the application form, then submit it for verification. 

Step 6: Once approved, the bank dispatches the card to your registered address. 

As an alternative, you can also visit the BOI branch located nearby and apply in person with valid documents. 

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5 Tips to Maximise the Benefits of Your Bank of India Lifetime Free Credit Card

With a Bank of India Lifetime Free Credit Card, you can get a lot of benefits, like travel perks and exclusive memberships, for free every year. Here are five useful tips to get the most out of it:

1. Track Rewards Regularly

You can check your earned reward points through the BOI mobile app or website. You can use them to get vouchers or discounts on Amazon, Swiggy, or Big Basket before they run out.

2. Use for Routine Expenses

Use your BOI card to pay for groceries, gas and meals to earn points on every purchase. This also helps you build a steady credit history.

3. Activate Complimentary Benefits

Do not miss out on benefits like Amazon Prime, Swiggy One membership, or access to the lounge. To fully enjoy these benefits, turn them on through the BOI portal.

4. Pay Bills on Time

Set up reminders or turn on autopay to make sure you pay your bills on time. Paying on time keeps you from paying interest and raises your credit score.

5. Link with UPI for Easy Payments

You can connect BOI RuPay cards to UPI apps like Paytm and PhonePe on your smartphone. It speeds up transactions and makes them safer without requiring your physical card.

These smart tips will ensure your BOI Lifetime Free Credit Card delivers rewards, savings, and convenience every day.

Conclusion

The Bank of India Lifetime Free Credit Cards offer unmatched convenience, savings, and rewards, all with zero annual fees. Enjoy benefits like fuel surcharge waivers, airport lounge access, and reward points on every transaction, backed by BOI’s trusted global network. If you’re looking for a high-value card with zero maintenance costs, BOI’s lifetime free options are a perfect choice.

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