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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.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping, groceries. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Travel: Foreign currency markup of 2% on international transactions; accepted at 4.14 lakh+ merchant locations worldwide
Benefits by category
- 🛍️ Shopping
2% reward rate
Eligibility
- Minimum monthly income: ₹12,500
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Cash advance charges: Cash withdrawal up to ₹15,000/day via ATM, capped at 50% of credit limit per billing cycle
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