Bank of India RuPay Platinum Credit Card for Effortless Daily Spending

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

17 Mar 26
3 mins

Shreyansh Singh

08 Mins
17-03-26

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Table of Contents

BOI RuPay Platinum Credit Card Benefits
Bank of India RuPay Platinum Credit Card Charges

The Bank of India RuPay Platinum credit card is a lifetime free credit card with 51 days of interest-free credit on purchases.
Earn 2× loyalty reward points on POS and e-commerce spends.
Personal accident and disability insurance covers up to ₹2 lakh.

The Bank of India RuPay Platinum Credit Card offers a convenient payment experience for everyday purchases and travel. The card is accepted at domestic and international merchant outlets, which makes global transactions simple.

Cardholders can also enjoy up to 51 days of interest-free credit along with exclusive merchant discounts available through the RuPay network. To explore complementary and discounted benefits, users can complete a one-time registration on the RuPay Platinum portal. The joining and annual fees are both nil.

Keep reading to know more!

BOI RuPay Platinum Credit Card Benefits

Bank of India RuPay Platinum Credit Card Benefits

The card rewards everyday spending with 2× loyalty reward points on POS and e-commerce transactions.

Along with reward earnings, it also includes the following benefits:

Insurance Protection

The card provides personal accident and permanent disability insurance cover up to ₹2 lakh under the RuPay program.

24/7 Concierge Services

Cardholders can access round-the-clock concierge support for travel assistance, hotel reservations, and other lifestyle or consultancy services.

Bank of India RuPay Platinum Credit Card Charges

You can request up to 2 add-on cards, each with an annual charge of ₹200, while a few other charges are listed below:

Parameters	Charges
Card Replacement Charges(Primary and Add-On)	₹300
Cash Advance Charges	BOI ATM: 2% or min. ₹50Other ATM: 2.5% or min. ₹75Overseas ATM: 2.5% or min. 125
Overlimit Charges	2% or min. ₹250
Foreign Currency Markup	3%
Finance Charges	2% monthly or 24% yearly on outstanding balances3% monthly or 36% yearly for payment default

💡Missing payment due dates can increase finance charges and affect your monthly budget. Use the Pice app to track credit card bills, set reminders, and pay securely from one platform in just a few simple steps.

Footnotes

Cash withdrawal is allowed up to 50% of the total credit limit, with a maximum ATM withdrawal of ₹15,000 per day.
Credit card payments must be made on or before the 5th of the following month as per the billing cycle.

FAQs

What is the Bank of India RuPay Platinum Credit Card eligibility?

Applicants must be at least 21 years old and have a regular source of income with valid proof. Both salaried and self-employed individuals can apply. The bank also expects a good credit history, and the applicant can be an Indian resident or an NRI.

How to contact Bank of India Credit Card customer care?

Cardholders in India can contact customer care through 1800 103 1906 or 1800 220 229. The 24/7 chargeable number is (022) 40919191, and support is also available through WhatsApp at +91 7997987601.

How to apply for the BOI RuPay Platinum Card?

For the Bank of India RuPay Platinum Credit Card, apply online through the credit card webpage by selecting the 'Apply Now' option. You may also apply offline at a bank branch by submitting the filled-in application form with income proof and verified KYC documents.