Bank Of India
BOI Visa Gold International Credit Card
- Annual fee
₹300 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
Earn 2X reward points on POS and E-Commerce Transactions
Fees & charges
- Foreign currency markup
2%
- Interest rates
1.70% Per Month (20.4% Annually)
- Cash advance charges
2.5%
Product highlights
- Earn 2X reward points on shopping and online payments
- The card features a foreign currency markup of only 2%, lower than that of other cards.
Pros & cons
Pros
- Earn double reward points on eligible POS and e-commerce transactions, providing greater value from your everyday spending.
- The card comes with no joining fee and has a very low annual fee of ₹300.
Cons
- This card does not offer premium travel and dining perks, such as airport lounge access, travel insurance, or exclusive partner offers.
- Reward programs and redemption options are quite basic compared to modern cashback and travel-focused cards.
FAQs
Is there any joining fee for this credit card?
No, there is no joining fee. You only need to pay an annual renewal fee of ₹300.
How can I earn reward points with this card?
You earn double reward points (2X) on all eligible POS (in-store) and online transactions.
Does this card provide airport lounge access?
No, this card does not offer domestic or international airport lounge access.
Does the card offer insurance or travel benefits?
No, the card does not include insurance coverage or travel-related benefits.