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Bank of India
Bank of India Star RuPay Classic Credit Card
RuPay
Bank of India Star RuPay Classic Credit Card
Bank of India's entry-level Star RuPay Classic sits below its Platinum and Swadhan Platinum cards, offering the most basic reward structure for first-time cardholders.
Annual fee
₹300
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% (min ₹50) at non-BOI ATMs/branches, 2% (min) at BOI ATMs; capped at ₹15,000/day and 50% of credit limit
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
Pros
- + No joining fee
- + Fuel surcharge waiver at all stations
- + Low, easily waived annual fee
Cons
- − Minimal reward rate
- − No welcome bonus
- − Fewer benefits than BOI's Platinum variants