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Bank of India Visa Gold Credit Card

Home Bank of India Bank of India Visa Gold Credit Card
Updated: 05-04-2021 13:03:50 PM

Please Note: Bank of India is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.

The Bank of India Visa Gold Card is valid in India, Bhutan and Nepal and it’s an exclusive card with numerous benefits and attractive offers. The card gives maximum advantage to those who want a whole lot of benefits with a low maintenance card. This card allows transaction at around 2.5 lakh merchant locations spread across these three countries. The card is specially crafted for those who want to combine sheer convenience with the ease of managing their expenses. The Bank of India Visa Gold Credit Card makes sure that customers don’t face any hassle while shopping. The EMI options with affordable interest rates make it all the more easier for customers to benefit from this card. With Bank of India Visa Gold Credit Card, you don’t have to face hassles concerning cash transactions.

Features of Bank of India Visa Gold Credit Card
Benefits of the Bank of India Visa Gold Credit Card

Features of Bank of India Visa Gold Credit Card

Following are the features of this credit card-

Interest-Free Credit – The purchases that have been made through the Bank of India Visa Gold Credit Card will be interest-free for the next 51 days.

EMI Facility – The cardholder can easily convert the purchases into EMIs provided the purchase is above ₹ 5,000. Now the customers won’t have to think twice before making a purchase.

Balance Transfer Facility – The customers can transfer their outstanding balance on other credit cards to the Bank of India Visa Gold Credit Card subject to a maximum of 75% of the spending limit. The minimum amount required to avail this facility is ₹ 10,000 for other bank cards and ₹ 5,000 for India card.

Concession on Insurance – The bank has tied up with National Insurance Company Limited and cardholders can avail concessions in the premium of the mediclaim insurance policy for up to ₹ 5 Lakh.    

Withdrawal of cash – Bank of India Visa Gold Credit Cardholders can withdraw cash from any ATMs including other bank ATMs.

Revolving Credit Arrangement – Under this feature, the cardholder will have to pay 10% of the total amount before the due date. For the remaining amount, the cardholder will be charged anywhere around 1.70% interest rate per month. The customer will be charged a 2.5% interest rate if the entire amount is overdue.

Benefits of the Bank of India Visa Gold Credit Card

Cardholders can enjoy the following benefits on this Bank of India credit card–

  • Widely accepted – Bank of India Visa Gold Credit Card is a photo credit card and is accepted over 2.5 lakh merchant locations and can also be used to withdraw cash from over 90,000 ATMs.
  • Attractive Interest Rates – Customers have the option to convert their total withdrawal amount into EMIs and pay at regular intervals. The Bank of India Visa Gold Credit Card has a facility of an affordable rate of interest, revolving credit facility at a preferential rate and interest rate credit for up to 51 days.
  • Cash Advance Facility – The cash advance facility can be availed at more than 4,000 bank branches and there is free remittance option for credit card payment.
  • Flexible Credit Limit – For supplementary cards, flexible credit limit is available.
  • Perfect guidance for customers – The bank provides 24×7 toll-free customer guidance.
  • Reward Programs – Reward points are available on every purchase and this makes shopping/spending more rewarding.

After providing certain documents, the banks will check eligibility and then provide Bank of India Visa Gold Credit Card with certain terms and conditions applicable.

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