Bank of India Credit Cards 2026
Public-sector bank issuing RuPay and Visa cards, including an FD-backed card. Compare 4 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 30 September 2026Bank of India credit cards
Best Bank of India card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Rewards | BOI RuPay Select | ₹800 | BOI customers wanting lounge + OTT/food memberships |
| Lounge access | BOI RuPay Select | ₹800 | BOI customers wanting lounge + OTT/food memberships |
| Lifetime free | BOI RuPay Platinum | Free | No-fee entry RuPay card |
| Secured (FD) | BOI Swadhan RuPay Platinum | Free | Secured card against term deposit |
| RuPay on UPI | BOI RuPay Platinum | Free | No-fee entry RuPay card |
Compare all Bank of India cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| BOI RuPay Platinum | Free / Free | See card page | Domestic lounge access at select lounges (RuPay program) | 3.00% | — |
| BOI Swadhan RuPay Platinum | Free / Free | See card page | — | — | — |
| BOI Visa Platinum International | Free / ₹500 | See card page | — | — | — |
| BOI RuPay Select | Free / ₹800 | See card page | Domestic 2/quarter (8/yr); international 2/calendar year | 3.00% | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Toll-free 24x7 | 1800 220 088 |
| Landline | 022-40426006 |
| Toll-free (general) | 1800 103 1906 |
| Chargeable 24x7 | 022-40919191 |
Bill payment
- BOI net banking (Star Connect)
- BOI mobile app
- NEFT/UPI to card (IFSC BKID0000101)
- BillDesk
- BBPS/third-party apps
- Cash at BOI branch
Eligibility
| Criterion | Bank of India |
|---|---|
| Age | 18+ (Visa Platinum 21+) |
| Income | Steady income verifiable via ITR / salary certificate; no published minimum; savings account with BOI and completed KYC required; Swadhan against TDR |
| Documents | KYC documents, ITR / salary certificate, Signed application form at branch |
Frequently asked questions
Which Bank of India credit card is best?
It depends on how you spend. By base reward value, BOI RuPay Platinum ranks first among the cards we track; for no fees, BOI RuPay Platinum, BOI Swadhan RuPay Platinum. Use the comparison table and the value calculator on each card page.
What is the Bank of India credit card customer care number?
Toll-free 24x7: 1800 220 088; Landline: 022-40426006.
How do I pay my Bank of India credit card bill?
BOI net banking (Star Connect); BOI mobile app; NEFT/UPI to card (IFSC BKID0000101).
What is the eligibility for a Bank of India credit card?
Age 18+ (Visa Platinum 21+). Income: Steady income verifiable via ITR / salary certificate; no published minimum; savings account with BOI and completed KYC required; Swadhan against TDR.
Compiled from Bank of India’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with Bank of India.