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Bank of India
BOI RuPay Platinum Credit Card
RuPay
BOI RuPay Platinum Credit Card
BOI's lifetime-free, self-issued RuPay Platinum card offers 2X rewards on card/online spends and basic lounge access — a straightforward everyday card for existing BOI customers.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
Complimentary domestic airport lounge access
- 🛡️ Insurance
Personal accident insurance cover up to ₹2 lakh
- 🛍️ Shopping
2% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 30% p.a.
- Cash advance charges: Cash withdrawal up to ₹15,000/day, capped at 50% of credit limit; 2.5% (min ₹50) at non-BOI ATMs/branches, 2% (min) at BOI ATMs
Benefits
- Complimentary domestic airport lounge access
- Personal accident insurance cover up to ₹2 lakh
- 24/7 concierge assistance for travel and lifestyle needs
- 2X reward points on POS and e-commerce spends
Pros
- + Zero joining and annual fee for life
- + 2X reward points on POS/e-commerce spends
- + Basic domestic lounge access and accident insurance
Cons
- − Forex markup and exact APR not clearly disclosed on the official page
- − Modest ₹2L insurance cover versus richer private-bank cards