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Bank of India
BOI RuPay Swadhan Platinum Credit Card
RuPay
BOI RuPay Swadhan Platinum Credit Card
A basic, no-frills RuPay card variant from Bank of India aimed at existing basic/Jan Dhan-type savings account holders who don't meet standard income-proof requirements.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛡️ Insurance
Basic personal accident cover under the NPCI RuPay platform
- ⛽ Fuel
1% fuel surcharge waiver on transactions ₹400–₹4,000, capped at ₹250/cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Benefits
- Designed for basic/BSBDA savings account holders; credit limit set on account relationship rather than income proof
- 1% fuel surcharge waiver on transactions ₹400–₹4,000, capped at ₹250/cycle
- Basic personal accident cover under the NPCI RuPay platform
Pros
- + Zero joining/annual fee
- + Accessible to basic savings account holders without income proof
- + Fuel surcharge waiver
Cons
- − Minimal rewards and no lounge access
- − Credit limit likely modest and account-relationship dependent