Bank of India · Visa · Dining, Entry-level
BOI Visa Platinum International Credit Card
Best for low-fee international-use card; dining offers. 2X loyalty reward points on POS and e-commerce
Terms as of 2026-09-27 · Checked 30 September 2026Annual fee
₹500
Joining FreeBOI Visa Platinum International Credit Card at a glance
Joining feeFree
Annual fee₹500
Base reward valueSee rewards
Forex markup—
NetworkVisa
IssuerBank of India
CategoryDining
Fee waiver—
Who it suits: Low-fee international-use card; dining offers
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2X loyalty reward points on POS and e-commerce |
Travel, lounge & fuel benefits
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | — |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 18+ (Visa Platinum 21+) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
Frequently asked questions
What is the annual fee of the BOI Visa Platinum International Credit Card?
Joining fee Free and annual fee ₹500 (plus 18% GST).
What rewards does it offer?
2X loyalty reward points on POS and e-commerce
Is the BOI Visa Platinum International Credit Card good for me?
Best for: Low-fee international-use card; dining offers. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: bankofindia.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Bank of India’s website before applying. FinancePortal is not affiliated with the issuer.