All cards / Bank of India
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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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.
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
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