Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Interest-free credit periodUp to 51 days, depending on the transaction and billing date.View source
The official BOI card pages publish an interest-free period of up to 51 days.
- Source
- BOI Credit Cards
- Page / section
- Features and
- Accessed
- 30 Aug 2026
- Confidence
- high
Credit limitMaximum credit limit is 20% of gross annual income; based on case merits, BOI may extend it up to 40%.View source
BOI publishes the 20% credit-limit rule and possible extension to 40% on merits.
- Source
- BOI Credit Cards
- Page / section
- Features
- Accessed
- 30 Aug 2026
- Confidence
- high
Cash withdrawal limitCash limit is capped at 50% of the spending limit; ATM cash withdrawal is capped at ₹15,000 per day.View source
The official pages publish the 50% cash-limit cap and ₹15,000 daily maximum.
- Source
- BOI Credit Cards
- Page / section
- Features
- Accessed
- 30 Aug 2026
- Confidence
- high
Income requirementNo universal numeric minimum income is published. BOI requires regular/steady income and proof through salary certificates or income-tax returns; final approval and limit are assessed by the bank.View source
The official eligibility section requires steady income verified by or salary certificate but publishes no universal threshold.
- Source
- BOI Credit Cards
- Page / section
- Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
EligibilityApplicant must have an active BOI savings account, be at least 21 years old (Star Lakshmi additionally requires a female applicant), have regular income with proof, good credit history, completed KYC and be an Indian resident, NRI or eligible person of foreign origin residing in India. Swadhan additionally requires the card to be secured by a BOI term deposit.View source
BOI's official eligibility lists account, age, income, credit, and residency conditions; card-specific pages add the Star Lakshmi and Swadhan conditions.
- Source
- BOI Credit Cards
- Page / section
- Eligibility /
- Accessed
- 30 Aug 2026
- Confidence
- high
Monthly finance chargeThe current MITC states 2.00% per month (24% p.a.) on unsecured credit; default service charge is 3% per month (36% p.a.). SwaDhan secured-credit pricing is separately stated in the MITC.View source
The publishes 2% monthly unsecured pricing and 3% monthly default service charge.
- Source
- BOI Credit Card
- Page / section
- Finance charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Network and usageNetwork is card-specific: Visa Gold/Platinum, RuPay Platinum/Star Lakshmi/Select/Bharat/Swadhan, BOI Celestia Ekaa, and historical Mastercard for the discontinued Master Platinum. Cards are accepted domestically and internationally unless the product page states a domestic-only variant.View source
The catalogue identifies each card network and describes domestic/international acceptance.
- Source
- BOI Credit Cards
- Page / section
- Card catalogue
- Accessed
- 30 Aug 2026
- Confidence
- high
APR / finance chargeUnsecured credit: 2.00% per month (24% per annum) on daily balances; default service charge: 3.00% per month (36% per annum). SwaDhan secured credit is separately priced at 1.20% per month (15.40% per annum), with 1.70% per month (22.45% per annum) on default.View source
The current separates SwaDhan secured-credit pricing from unsecured credit and states the default rates for each.
- Source
- BOI Credit Card and Schedule of Charges
- Page / section
- p. 32 — Charges on revolving credit
- Accessed
- 30 Aug 2026
- Confidence
- high
Foreign-currency conversion charge3% of the foreign-currency transaction amount for all currencies other than INR, including POS, e-commerce and cash withdrawals; applicable taxes are extra where charged.View source
The schedule states 3% currency-conversion charges for all currencies excluding and includes cash withdrawal and /e-commerce transactions.
- Source
- BOI Credit Card and Schedule of Charges
- Page / section
- p. 34 — Foreign Currency Transactions
- Accessed
- 30 Aug 2026
- Confidence
- high
CashbackNo statement-credit or cash-back rate is published for this card in the reviewed BOI card page, catalogue or MITC. Published value propositions use Star Points/loyalty points, vouchers or partner benefits instead.View source
The complete reviewed sources describe loyalty points and partner offers but do not publish a cash-back percentage or statement credit.
- Source
- BOI Credit Cards catalogue and
- Page / section
- Card catalogue, individual benefits and benefits/charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Annual / renewal fee₹11,999 AMC for the principal card; ₹11,999 for an add-on card. Applicable GST is extra.View source
The live Celestia charges table lists ₹11,999 and add-on ₹11,999.
- Source
- Celestia Credit Card — BOI
- Page / section
- Charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Fee waiverJoining fee of ₹11,999 is waived when ₹2.5 lakh is spent within 90 days of issuance; AMC of ₹11,999 is waived for yearly spends of ₹8 lakh or more.View source
The official charges section publishes both the 90-day joining-fee waiver and the ₹8 lakh annual-spend waiver.
- Source
- Celestia Credit Card — BOI
- Page / section
- Charges and waiver conditions
- Accessed
- 30 Aug 2026
- Confidence
- high
Rewards5X loyalty reward points on eligible POS and e-commerce dining, airline-booking and fuel transactions, excluding restricted categories.View source
Celestia's benefits section publishes 5X points for dining, airline booking and fuel, subject to restricted-category exclusions.
- Source
- Celestia Credit Card — BOI
- Page / section
- Benefits — loyalty reward points
- Accessed
- 30 Aug 2026
- Confidence
- high
Airport-lounge accessNo complimentary airport-lounge entitlement is published on the reviewed product page or in the BOI card catalogue/MITC for this card.View source
The complete Celestia page and shared were reviewed; hotel, dining and spa benefits are published but no airport-lounge quota.
- Source
- Celestia Credit Card — BOI
- Page / section
- Features, benefits and charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Offers / partner benefits2+1 complimentary nights at select ITC hotels, 1+1 dining and 1+1 spa for resident customers; Hotel Luxe Elite Plus membership; personal-accident cover ₹50 lakh, air-accident cover ₹1 crore, purchase protection ₹2 lakh and travel baggage-loss cover ₹20,000.View source
The official benefits section lists the ITC, dining, spa, membership and insurance benefits with their published amounts.
- Source
- Celestia Credit Card — BOI
- Page / section
- Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Card networkEkaa International (contactless Celestia card).View source
BOI labels Celestia a Contactless Ekaa International Credit Card.
- Source
- Celestia Credit Card — BOI
- Page / section
- Card title and features
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- 2+1 ITC hotel nights, 1+1 dining and 1+1 spa for resident customers
- Hotel Luxe Elite Plus membership
- 5X reward points on dining, airline booking and fuel
Eligibility
- Minimum age 21; BOI savings account, regular income and good credit history required.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- and income proof requested by BOI
Related official documents
Celestia Credit Card — official BOI pageofficial-product-page · current · accessed 30 Aug 2026
↗BOI Credit Cards — official catalogueofficial-product-page · current · accessed 30 Aug 2026
↗BOI Credit Card MITC and Schedule of Chargesofficial-pdf · current · accessed 30 Aug 2026
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