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Bank of India Star RuPay Select Credit Card
RuPay
Bank of India Star RuPay Select Credit Card
BOI's RuPay Select sits above the Star Classic, matching the RuPay Select lounge-access tier that other PSU banks offer, aimed at moderately affluent salaried customers.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter via the RuPay Select programme
- International lounge access: 2 complimentary international lounge visits per calendar year
Benefits by category
- 🍽️ Dining & food delivery
1.5% reward rate
- ✈️ Travel
1.5% reward rate · 2 complimentary domestic lounge visits per year via the RuPay Select programme
- ⛽ 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: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- 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
- 2 complimentary domestic lounge visits per year via the RuPay Select programme
Pros
- + Domestic lounge access twice a year
- + Better rewards on dining and travel than Classic
- + Positioned competitively against peer PSU Select cards
Cons
- − Joining fee is a meaningful jump from the Classic variant
- − Lounge access still limited versus private-bank premium cards
- − RuPay acceptance abroad remains limited
Best for