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Bank of India
Bank of India Visa Gold International Credit Card
Visa
Bank of India Visa Gold International Credit Card
An entry-to-mid-tier internationally accepted Visa card from Bank of India with a low annual fee, aimed at customers with modest income seeking basic rewards.
Rates and fees last verified 19 July 2026.
Annual fee
₹300
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Reward rates by category
- Online shopping2%
- Other2%
Eligibility
- Minimum monthly income: ₹12,500
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 2X reward points on POS and e-commerce; 1 point per ₹100 spent
- Reward points adjusted against renewal fee at renewal, balance credited as cash
- Accepted at 4,14,000+ global locations; limit based on income and repayment history
Pros
- + Low annual fee (₹300) with no separate joining fee
- + Accessible income eligibility
- + Reward points auto-adjust against renewal fee
Cons
- − Forex markup, APR and lounge/insurance benefits not disclosed publicly
- − Reward point monetary value not published
Applying takes you to Bank of India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.