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Bank of India
Bank of India Visa Platinum International Credit Card
Visa
Bank of India Visa Platinum International Credit Card
An internationally accepted Visa card from Bank of India offering 2X reward points on card and online spends, Visa Concierge, and dining privileges.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, online shopping. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
Visa Concierge 24/7 assistant, plus dining offers at 15 restaurants across 10 markets · Up to 20% off at select restaurants and merchants (Swiggy, Zepto, Max Fashion, Shoppers Stop)
- 🛍️ Shopping
2% reward rate
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Cash advance charges: 2.5% (min ₹50) at branches and non-BOI ATMs; 2% (min) at BOI ATMs; cash withdrawal capped at ₹15,000/day and 50% of credit limit
Benefits
- ₹250 discount vouchers redeemable at Amazon/Zomato on activation and first use
- 2X loyalty reward points on POS and e-commerce transactions
- Visa Concierge 24/7 assistant, plus dining offers at 15 restaurants across 10 markets
- Up to 20% off at select restaurants and merchants (Swiggy, Zepto, Max Fashion, Shoppers Stop)
- Credit limit up to 20% of gross annual income; cash withdrawal up to ₹15,000/day worldwide
Pros
- + 2X reward points on POS and e-commerce spends
- + Visa Concierge and dining privileges
- + Up to 51 days interest-free credit period
Cons
- − Forex markup and APR not disclosed on the official page
- − No stated fee-waiver spend threshold