Can I get supplementary cards with a Bank of India Credit Card?

Yes, cardholders are offered up to two add-on cards depending on the primary card type. Add-on cards can be issued to immediate relatives of primary cardholder and the total credit limit of primary and add on card should not exceed the spending limit of primary card.

In case I lose or misplace my Bank of India credit card, what should I do?

In case of the unfortunate event of card loss or misplacement, call Bank of India's 24/7 helpline as soon as possible. Your card will be blocked to prevent unauthorized usage.

How do I renew my Bank of India credit card?

The annual renewal happens automatically until the cancellation is notified 2 months prior to the card expiry. Otherwise, in case of branch billing cards, the customer has to get the credit card from the bank branch after renewal. For customers with direct billing cards, the card will be sent to the address available on the system.

What are the charges for balance enquiry using my credit card?

The charges will be Rs. 20 at other bank ATMs and no charge will be levied for balance enquiry at BOI ATMs using Bank of India Credit Card.

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Bank of India Credit Card

Bank of India offers a lot of credit cards that help you increase your savings and also earn reward points on your expenses. All these credit cards come with a line of benefits that will offer you exclusive privileges and banking benefits. Bank of India credit cards come loaded with advantages like EMI options, worldwide acceptance, higher credit limits and flexible credit options. What more - the credit card application process is hassle-free, transparent and requires minimal documentation.

Updated On - 05 Sep 2025

Top Bank of India Credit Cards in India 2025

BOI Credit Card Variant	Annual Fee
Navy Classic Credit Card	Rs.600
Navy Gold Credit Card	Rs.600
TAJ Premium Card	Rs.800
Visa Gold Card	Rs.600
Visa Gold International Card	Rs.1,500
Visa Platinum Privilege Card	Rs.600
Bank of India - India Card	Waived if your minimum transaction is Rs.20,000 during the previous year

Bank of India credit cards offer a wide array of benefits like affordable interest rates, EMI options, flexible tenure options and revolving credit facility. BOI Credit cards are tailor made to meet individual requirements and will duly cater to the financial and banking needs of people. Select a Bank of India credit card that suits your needs and elevate your purchase experience to a better level.

Features and Benefits of Bank of India Credit Card

The following advantages that come with Bank of India Credit Cards makes the credit cards very popular amongst all financial products in the banking industry.

Multi-purpose Cards	Bank of India offers a range of credit cards to cater to the requirements of all classes of customers including pensioners, Navy staff and globetrotters and for the modern Indians.
Concession on Medi-Claim	Customers are offered a discount in the premium of Medi claim insurance policy for up to Rs. 5 lakhs. This scheme is offered under tie-up with National Insurance Co. Ltd.
EMI Options	Bank of India Credit Cardholders have the facility to convert their costly purchases to EMI and pay back the credit over a tenure of up to 36 months. What more - you get all this at nominal interest rates.
Revolving Credit Facility	By making use of the revolving credit facility, a BOI Credit Cardholder has to pay just 10% of the credit card bill before the due date. The cardholder will have to pay an interest of 1.70% per month on the remaining 90% outstanding balance. The cardholder will be charged 2.5% interest per month if the total amount is overdue.
Balance Transfer Option	Bank of India Cardholders can transfer the outstanding balance from credit cards of other bank to Bank of India Credit Card subject to a maximum of 75% of spending limit.
Worldwide Recognition and Acceptance	Get freedom from having to carry paper money everywhere, Bank of India Credit Card is accepted at over 4,14,000 locations around the globe. The cardholder can use the BOI Credit card to withdraw cash from over 8,10,000 ATMs worldwide.
Cash Withdrawal	Cardholders can withdraw cash from ATMs across the country including other bank ATMs using Bank of India Credit Card.
Impeccable Customer Support	With the 24/7 customer support for reporting lost credit cards, you need not have to worry if you lose your card. Block your lost card and get your queries answered by calling the Bank of India toll free helpline. Cardholders can also avail the ATM locator service offered by the Bank of India.
Affordable Interest Rates	Cardholders can make costly purchases using BOI credit card and repay in easy EMI options at nominal interest rates. For BOI credit cards whose minimum amount is paid on or before the due date, revolving credit at a preferential rate of 1.7% is also given.
Interest Free Credit Period	Cardholders get the benefit of interest free credit period for up to 51 days.

List of Bank of India Credit Cards

Here's a list of various credit cards offered by Bank of India.

Bank of India Navy Classic Credit Card: Designed exclusively for the members of Indian Navy, Bank of India Navy Classic Credit Card will offer an ultimate cashless banking experience. Bank of India Navy Classic Credit Card will let you manage your finances with ease. This free for lifetime card also comes with a range of benefits and reward schemes.
Bank of India Navy Gold Credit Card: Bank of India Navy Gold Credit Card is crafted to match the lifestyle requirements of top Navy officers and comes loaded with a line of customer-centric benefits. The cardholder will be eligible for exclusive privileges and enviable benefits including reward points and EMI options.
Bank of India TAJ Premium Card: Conceived and crafted to complement the banking requirements of TAJ Group members, Bank of India TAJ Premium Card offers special privileges and convenient purchase offers. This credit card is free for lifetime and comes with affordable interest rates & high credit limits. This special credit card will be your key to living a high life.
Bank of India Visa Gold Card: Designed for people who want to merge the ease of banking with hassle-free expense management, Bank of India Visa Gold Card makes your shopping experience more rewarding. Cardholders get the benefit of Visa programs and also gain access to exclusive privileges like EMI Conversion option, balance transfer facility, flexible credit limit and add-on card options.
Bank of India Visa Gold Card International Card: Open up a whole new world of enriching services, enviable offers and convenient banking options with Bank of India Visa Gold Card International Card. Designed for globetrotters who want to save themselves the hassle of having to carry paper money, this credit card offers benefits like revolving credit, rewards program, insurance premium concession and enhanced purchase power.
Bank of India Visa Platinum Privilege Card: Bank of India Visa Platinum Privilege Card is specially crafted to sheer banking convenience and customer-centric features. This credit card comes with benefits like flexible credit limits, add-on cards for immediate family members, cash withdrawal facility, concession on premium of medi-claim policy, EMI options with nominal interest rate and worldwide acceptance.
Bank of India Credit Card for Pensioners: Bank of India Credit Card for Pensioners is designed to offer the maximum convenience for pensioners and because most of the pensioners are also senior citizens, this card offers customer-friendly benefits. With affordable interest rates, convenient EMI options, insurance premium discount and 24/7 helpline, customers will not only feel comfortable to use this credit card for purchase but will also be able to make the most out of the shopping and purchase experience.
India Card - Bank of India: Bank of India - India Card is created by combining the essence of traditional Indian Banking with the advantages of modern, online banking. This card offers a wide range of customer-friendly benefits like balance transfer options, cash withdrawal facility, wide acceptance and nominal interest rates that makes it one of the most sought-after credit cards in the market.

Bank of India Credit Card Charges and Interest Rates

The charges and fees for services related to Bank of India credit card are as follows.

Bank of India Credit Card	Add On Card Fee/ No. of add-on cards permitted	Penalty Interest Rate
Navy Classic Credit Card	Two add-on cards	NIL
Navy Gold Credit Card	Two add-on cards.	NIL
TAJ Premium Card	Up to Two add-on cards at Rs.400 annually	1.70 per cent per month
Visa Gold Card	Up to Two add-on cards at Rs.350 annually	1.70 per cent per month
Visa Gold International Card	Up to Two add-on cards at Rs.800	1.70 per cent per month
Visa Platinum Privilege Card	Up to Two add-on cards at Rs.350 annually	1.70 per cent per month
Bank of India - India Card	NIL	1.70 per cent per month

Why Choose Bank of India Credit Card?

Bank of India offers an array of credit card options, each card carefully crafted to meet its specific purpose. Customers can choose from Bank of India Navy Classic, Navy Gold, TAJ Premium Card, Visa Gold Card, Visa Gold Card International Card, Visa Platinum Privilege Card and Bank of India Credit Card for Pensioners and India Card by the Bank of India.

All these credit cards come with a line of benefits that will offer you exclusive privileges and banking benefits. Bank of India credit cards come loaded with advantages like EMI options, worldwide acceptance, higher credit limits and flexible credit options. Bank of India credit cards are sure to the owners pride and will be your key to a whole new world of exclusive offers and enviable privileges.

Bank of India Credit Card Rewards

Bank of India credit cardholders can get reward points for credit card usage. For every Rs. 100 spent in a month, one point is credited to the cardholder's account. The credit card reward points can be accumulated for up to a year. The reward points can be redeemed for Rs. 1 per point and can be used to waive the renewal fee and annual fee. The balance points will be converted at the rate of Rs. 0.50 per point and credited to the cardholder's account which he can use as per his need and choice.

Bank of India Credit Card Eligibility

The eligibility conditions for Bank of India credit cards are as given below.

Bank of India credit cards are issued to individuals of Indian origin.
The applicant can be an individual of Indian origin, non-resident Indian or an individual of foreign origin residing in India for employment and related purposes.
The applicant must have the documents required to complete KYC formalities.
The applicant must have a good CIBIL credit score.
The applicant must not have defaulted for payment of dues related to Bank of India or any other Bank.
The customer must have a steady income and the same will be verified through the Income Tax Returns and salary slips.

Apart from the eligibility conditions mentioned above, the eligibility conditions may vary depending on the card. Also, depending on your type of employment and income source, you might be asked to submit additional documents. Do enquire with Bank of India about the documents required for your profile before proceeding with the application.

Apply For Credit Card on BankBazaar

Bank of India Credit Card Documents Required

Applicants need to submit the documents mentioned below to complete the credit card application process.

ID Proof	Passport Aadhar card Voter's ID PAN card Driver's licence
Address proof	Passport Telephone bill Aadhar Card Electricity Bill Election card
Income Proof	Latest IT Returns Form 16 Last 3 months' bank statement Last 3 months' salary slip

Additional documents may be asked for depending on the type of the card that you are applying for. Do enquire with Bank of India about the list of documents required for your card type, nature of employment and income source before proceeding with the application process.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Bank of India Credit Card

Can I get supplementary cards with a Bank of India Credit Card?
Yes, cardholders are offered up to two add-on cards depending on the primary card type. Add-on cards can be issued to immediate relatives of primary cardholder and the total credit limit of primary and add on card should not exceed the spending limit of primary card.
In case I lose or misplace my Bank of India credit card, what should I do?
In case of the unfortunate event of card loss or misplacement, call Bank of India's 24/7 helpline as soon as possible. Your card will be blocked to prevent unauthorized usage.
How do I renew my Bank of India credit card?
The annual renewal happens automatically until the cancellation is notified 2 months prior to the card expiry. Otherwise, in case of branch billing cards, the customer has to get the credit card from the bank branch after renewal. For customers with direct billing cards, the card will be sent to the address available on the system.
What are the charges for balance enquiry using my credit card?
The charges will be Rs. 20 at other bank ATMs and no charge will be levied for balance enquiry at BOI ATMs using Bank of India Credit Card.

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