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Bank of India Rupay Platinum Credit Card

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Updated: 11-12-2025 10:15:14 AM

Please Note: Bank of India is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. To express interest in this card, please visit the Bank of India website.

Bank of India Rupay Platinum credit card is one of the most sought after credit cards that are offered by the bank. The card uses Rupay card payment scheme. Customers get premium services like concierge facility, insurance cover etc. More details on the card are given below.

On this page
BoI Rupay Platinum Credit Card – Features & Benefits
BoI Rupay Platinum Credit Card – Fees and Charges
BOI Rupay Platinum Credit Card – Eligibility Criteria
How to Apply for Bank of India Rupay Platinum Credit Card
FAQs

BoI Rupay Platinum Credit Card – Features & Benefits

Welcome Benefits – Get exclusive gift vouchers from leading merchants.

Cash Back Offers – Get cashback offers on Utility bill payments, Eateries, and partner merchants.

Accidental Insurance Cover – Get insurance cover up to Rs. 2.00 lakh in case of loss of life or permanent disability due to an accident.

Concierge Services – Avail concierge services 24×7 to make travel arrangements and hotel reservations.

International Acceptance – The credit card is accepted globally including Nepal.

Security – The card comes with a chip and PIN to provide additional security.

Billing Cycle – Statement generation date is 15th of every month. The due date is 5th of the next month.

BoI Rupay Platinum Credit Card
Good For:

  • People who want a premium credit card
  • Customers who want concierge services
  • People who want cashback
 Bad For:

  • Customers who want to earn air miles
  • Customers who want travel benefits
  • Customers who want lots of variety in reward catalogue

BoI Rupay Platinum Credit Card – Fees and Charges

Category Amount
Finance Charges If Min. Amount Due is Paid – 1.70% pm
If Min. Amount Due isn’t Paid – 2.50% pm
Cash Advance Charges At Branch – 2.50% / Min. Rs. 50
At BOI ATMs – 2.00% / Min. Rs. 50
At other ATMs – 2.50% / Min. Rs. 75
Balance Enquiry Charges At BOI ATMs – Nil
At other ATMs – Rs. 20
PIN Replacement Fee Rs. 50
Usage Over Spending Limit Rs. 10 per transaction
Replacement Charges Rs. 200

BOI Rupay Platinum Credit Card – Eligibility Criteria

The eligibility criteria for the credit card are:

  • Only Indian citizens may apply
  • Age of the applicant must be between 21 and 65 years

Customers have to submit PAN card / Form-60, Aadhaar card, and any other document required to process the credit card application. The bank seeks these documents to establish address, identity and income. Customers won’t get the card if they don’t submit all the requested documents.

How to Apply for Bank of India Rupay Platinum Credit Card

To get the Bank of India Rupay Platinum Credit Card applicants will have to visit a Bank of India branch. Once there get in touch with a bank official and ask them to guide you through the process. Submit the documents that the officer asks for. The bank will then verify the submitted documents and on approval dispatch the credit card.

FAQs

Can I use Bank of India Rupay Platinum Credit Card for cash withdrawal?
Yes, you can withdraw cash using this credit card.

What are card replacement charges?
The card replacement charge is Rs. 200.

Who can apply for BoI Rupay Platinum Credit Card?
Indian residents that are over the age of 21 but below 65 years may apply. Do note customers should have a regular source of income too.

Can I use this credit card when abroad?
Yes, you can use the card when overseas. However, foreign transaction mark-up fee will be applied on the transacted amount.

Is there a PIN Replacement fee?
Yes, and it is Rs. 50.

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