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₹400 for the principal card and ₹300 for an add-on card (before GST).View source
RuPay Bharat is listed at ₹400 principal and ₹300 add-on, before .
- Source
- BOI Credit Card and Schedule of Charges
- Page / section
- p. 1 — RuPay Bharat annual membership charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Fee waiverNo card-specific spend-based waiver is published on the reviewed card page. BOI's catalogue says issuance and annual charges may be exempt for staff/ex-staff and senior-citizen categories; eligibility should be confirmed with the issuing branch.View source
The catalogue explains reversal for exempt Diamond customers and the note lists staff/ex-staff and senior-citizen exemptions; no universal spend threshold is given for these cards.
- Source
- BOI Credit Cards catalogue and
- Page / section
- Credit-card — renewal fee / fee schedule note
- Accessed
- 30 Aug 2026
- Confidence
- high
RewardsThe reviewed RuPay Bharat page publishes partner vouchers and lounge benefits but no separate points multiplier; reward-point earning is governed by BOI Star Rewards terms.View source
The complete Bharat page was reviewed; it lists Swiggy and Flipkart offers but does not state a numeric points multiplier.
- Source
- RuPay Bharat Credit Card — BOI
- Page / section
- Benefits / rewards and offers
- Accessed
- 30 Aug 2026
- Confidence
- high
Airport-lounge accessFour complimentary domestic lounge visits per year and two international lounge visits per year, subject to RuPay programme changes.View source
The official Bharat page states four domestic and two international lounge visits per year.
- Source
- RuPay Bharat Credit Card — BOI
- Page / section
- Benefits — lounge access
- Accessed
- 30 Aug 2026
- Confidence
- high
Offers / partner benefitsThree-month Swiggy One membership per year, ₹250 Flipkart voucher per quarter and RuPay portal offers are published.View source
The official Bharat page lists Swiggy One and quarterly Flipkart voucher benefits.
- Source
- RuPay Bharat Credit Card — BOI
- Page / section
- Benefits and offers
- Accessed
- 30 Aug 2026
- Confidence
- high
Card networkRuPay.View source
The official product title identifies the card as RuPay Bharat.
- Source
- RuPay Bharat Credit Card — BOI
- Page / section
- Product title and catalogue
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- Three-month Swiggy One membership per year
- ₹250 Flipkart voucher per quarter
- Four domestic lounge visits per year and two international visits per year
- Up to 51 days interest-free credit
Eligibility
- Minimum age 21; BOI savings account, regular income, income proof 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
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
↗RuPay Bharat Credit Card — official BOI pageofficial-product-page · current · accessed 30 Aug 2026
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