Bank of IndiaIs the BOI RUPAY BHARAT Right for You?
The BOI RUPAY BHARAT is best suited for users who prioritize Shopping, Travel, Movies. With a joining fee of Nil and a renewal fee of ₹400 + GST, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 2X Loyalty Reward points on Point of Sale (POS) and E-commerce (ECOM) transactions..
Key Card Details
Nil
₹400 + GST
Reward Points
Not Applicable
Notable Perks
Domestic Lounge
Complimentary domestic lounge access: 4 visits per year across India, subject to RuPay changes.
International Lounge
Complimentary international lounge access: 2 visits per year globally, subject to RuPay changes.
Insurance
Insurance cover up to INR 2 Lakhs for Personal Accident and Permanent Disability by RuPay.
Fee Waiver
Not Applicable
Movie Benefits
INR 250 off on minimum 2 tickets per month from BookMyShow, enhancing entertainment savings.
Golf
Not Applicable
Things to Consider
Incurs an annual maintenance charge of Rs. 400 for the principal cardholder.
Specific foreign currency markup charges are not explicitly detailed in the documentation.
Information on reward redemption options is limited beyond direct discount vouchers.
Benefits & Features
Welcome Offer
Not Applicable
Rewards Rate
Earn 2X Loyalty Reward points on Point of Sale (POS) and E-commerce (ECOM) transactions.
Reward Type
Reward Points
Reward Redemption
Redeem discount vouchers for Amazon, Flipkart, BigBasket, Blinkit, & BookMyShow tickets.
Domestic Lounge Access
Complimentary domestic lounge access: 4 visits per year across India, subject to RuPay changes.
International Lounge Access
Complimentary international lounge access: 2 visits per year globally, subject to RuPay changes.
Premium Benefits
Not Applicable
Insurance Coverage
Insurance cover up to INR 2 Lakhs for Personal Accident and Permanent Disability by RuPay.
Movie
INR 250 off on minimum 2 tickets per month from BookMyShow, enhancing entertainment savings.
Dining
Not Applicable
Travel Benefits
Enjoy global acceptance, 4 domestic & 2 international lounge accesses annually for travelers.
What matters, explained clearly
Introduction
The Rupay Bharat Contactless Platinum International Credit Card is designed for global acceptance, offering a range of features and benefits including shopping discounts, lounge access, and insurance coverage. It is a contactless card providing flexibility in credit limits and an interest-free period.
Fees
- Issuance Fee: Nil
- Annual Maintenance Charge (Principal Card): Rs. 400/-
- Annual Maintenance Charge (Add-on Card): Rs. 300/-
- Card Replacement Fee (Principal/Add-on): Rs. 300/-
Rewards
- Shopping & Lifestyle Benefits
- Enjoy a 3-month membership per quarter of Swiggy Lite.
- Receive discount vouchers worth INR 250 per quarter, redeemable at Amazon or Flipkart.
- Get a discount voucher worth INR 250 per quarter on BigBasket or Blinkit.
- Entertainment
- Avail INR 250 off on the purchase of a minimum of 2 tickets per month from BookMyShow.
- Travel Benefits
- Complimentary Domestic Lounge Access across India: 4 visits per year.
- Complimentary International Lounge Access: 2 visits per year.
- Lounge access is subject to changes as per the discretion of RuPay.
- For the current lounge list, refer to the official RuPay website.
- Reward Points
- Earn 2X Loyalty Reward points on POS (Point of Sale) and ECOM (e-commerce) transactions.
- Note: Restricted categories are excluded from earning 2X Loyalty Reward points.
- For more information on the Star Rewards program, visit the Bank of India website.
- Insurance
- Benefit from an insurance cover of up to INR 2 Lakhs, covering Personal Accident and Permanent Disability, provided by RuPay.
- Other Card Features
- Accepted at Domestic and Foreign merchants across the globe.
- The maximum amount of cash limit is 50% of the card's spending limit.
- The credit limit shall be a maximum of 20% of the gross Annual Income, which may be extended up to 40% depending upon the merits of the case.
- Maximum cash withdrawal from ATM: Rs. 15,000 per day.
- Offers flexible credit limits for add-on cards.
- Provides up to 51 days interest-free credit period.
- Payment is required to be made on or before the 5th of the succeeding month.
- Access to 24x7 Concierge services.
- A one-time registration on the RuPay Platinum portal is required to view all complimentary and discounted features/offers.
Card Eligibility Criteria
- The customer should attain a minimum age of 18 years.
- The customer needs to have a regular income and provide proof of the same.
- The customer can either be a salaried employee or self-employed and managing their own business.
- The customer should have a good credit history.
- The customer needs to be an Indian resident or a Non-resident Indian (NRI).
Important Product Details
- Key Benefits
- Global acceptance for both domestic and international transactions.
- Access to complimentary domestic lounge visits (4 per year) and international lounge visits (2 per year).
- Exclusive shopping and lifestyle benefits, including Swiggy Lite membership and discount vouchers for Amazon, Flipkart, BigBasket, and Blinkit.
- Entertainment benefits with INR 250 off on BookMyShow tickets monthly.
- Accelerated earning of 2X Loyalty Reward points on POS and ECOM transactions.
- Comprehensive insurance cover of up to INR 2 Lakhs for personal accident and permanent disability.
- Generous interest-free credit period of up to 51 days.
- Convenient 24x7 Concierge services.
- Key Charges
- Annual Maintenance Charge for the Principal Card: Rs. 400.
- Annual Maintenance Charge for an Add-on Card: Rs. 300.
- Card Replacement Fee (for both Principal and Add-on cards): Rs. 300.
Other Details
Steps for Card Activation
- Through IVR/Toll Free
- Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
- Press 1 for English/ Press 2 for Hindi.
- Press 2 for Activation of New Card.
- Enter your 16-digit full card number followed by #.
- Enter the Card Expiry Date mentioned on the card in MMYY format.
- Enter the OTP sent to your registered mobile number.
- Your card will be activated.
- Through Bank’s Website
- Click on https://cclogin.bankofindia.co.in/.
- Register and Login with your Customer ID registered for the card and password.
- Under the "Requests" tab, click on "Card Activation".
- Select the Card Number.
- Enter the OTP sent to your registered mobile number.
- Your card will be activated.
- Through Omni Neo Mobile Banking App
- Log into the App and go to the "My Cards" section.
- The card will appear in the window pane. Click on the card to select it.
- Scroll down to the "Activate the card" option.
- After OTP based authentication, your card will be activated.
Steps for PIN Generation
- Through IVR/Toll Free
- Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
- Press 1 for English/ Press 2 for Hindi.
- Press 4 if you are an existing cardholder.
- Enter your card number.
- Press 2 to generate OTP.
- Enter the OTP sent to your registered mobile number.
- Press 1 for other queries.
- Press 1 to generate Card PIN.
- Enter the OTP sent to your registered mobile number.
- Enter your 4-digit PIN followed by #.
- Re-enter your 4-digit PIN followed by #.
- Your PIN will be generated for your card.
- Through Mobile Banking App
- Login to the Mobile Banking App with your credentials.
- Go to "Card Services" menu, then "Credit Card Services".
- Select the Active Card displayed for which PIN is to be generated.
- Select the "Generate PIN" option.
- Enter the OTP sent to your registered mobile number.
- Enter your 4-digit PIN.
- Re-enter your 4-digit PIN.
- Your PIN will be generated for your card.
- Through BOI Credit Control App
- Login to the App with your credentials.
- Select the Card for which PIN is to be generated.
- Select the "Change Green PIN" option.
- Enter the OTP sent to your registered mobile number.
- Enter your 4-digit PIN.
- Re-enter your 4-digit PIN.
- Your PIN will be generated for your card.
- Through Bank’s Website
- Click on https://cclogin.bankofindia.co.in/.
- Login with your Customer ID registered for the card and password.
- Under the "Requests" tab, click on "Green PIN".
- Select the Card Number.
- Enter the OTP sent to your registered mobile number.
- Enter your 4-digit PIN.
- Re-enter your 4-digit PIN.
- Your PIN will be generated for your card.
Set Limits and Channels for Card Usage
- Through Bank’s Website
- Click on https://cclogin.bankofindia.co.in/.
- Login with your Customer ID registered for the card and password.
- Under the "Requests" tab, click on "Channel Configuration".
- Select the Card Number.
- Enable POS/ATM/ECOM/NFC transaction flag and set the Limit as per your requirement.
- Click on submit to save the changes.
- Limits will be updated successfully in the card.
- Through Omni Neo Mobile Banking App
- Log into the App and go to the "My Cards" section.
- The card will appear in the window pane. Click on the card to select it.
- Select the "Set Limits and Channels" option.
- Enable POS/ATM/ECOM/NFC transaction flag and set the Limit as per your requirement.
- Click on submit to save the changes.
- Limits will be updated successfully in the card.
- Through Credit Card Control App
- Login to the App with your credentials.
- Select the Card for which Channels and Limits are required to be set.
- Enable POS/ATM/ECOM/NFC transaction flag and set the Limit as per your requirement.
- Click on submit to save the changes.
- Limits will be updated successfully in the card.
- Through IVR/Toll Free
- Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
- Press 1 for English/ Press 2 for Hindi.
- Press 4 if you are an existing cardholder.
- Enter your card number.
- Press 2 to generate OTP.
- Enter the OTP sent to your registered mobile number.
- Press 1 for other queries.
- Enable POS/ATM/ECOM/NFC transaction flag and set the Limit as per your requirement.
- Enter the OTP sent to your registered mobile number.
- Limits will be updated successfully in the card.