All cards / Bank of India
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.
Annual fee
₹0
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 who clear the standard eligibility bar whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
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
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per billing cycle
- Cash advance charges: 2% of the cash amount (minimum ₹50) per withdrawal
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