BOI RUPAY PLATINUM INTERNATIONAL – Benefits, Fees & Eligibility

RuPay Platinum Credit Card

Introduction

The RuPay Platinum Credit Card is a contactless international credit card designed for global acceptance at both domestic and foreign merchants. It offers a convenient interest-free credit period of up to 51 days and allows cardholders to earn 2X Loyalty Reward points on Point of Sale (POS) and e-commerce transactions. Beyond rewards, the card provides substantial benefits including an insurance cover of up to 2 Lakhs for personal accident and permanent disability, alongside access to 24x7 concierge services for various assistance needs.

Fees

• Issuance Fee: Nil
• Annual Maintenance Charge (AMC) - Principal Card: Nil
• Annual Maintenance Charge (AMC) - Add-on Card: Rs. 200/-
• Card Replacement Fee (Principal/Add-on): Rs. 300/-

Rewards

• Reward Points: Earn 2X Loyalty Reward points on Point of Sale (POS) and E-commerce transactions. Please note that restricted categories are excluded from earning these points. For more information, visit Star Rewards.
• Exclusive Merchant Offers: Access exclusive merchant offers for both POS and e-commerce transactions provided directly by RuPay. A list of current offers can be found at https://www.rupay.com/rupay-offers.
• Insurance Cover: The card provides an insurance cover of up to 2 Lakhs for Personal Accident and Permanent Disability, an benefit extended by RuPay.
• Concierge Services: Enjoy complimentary 24x7 Concierge services, which offer assistance for travel planning, hotel reservations, and general consultancy.
• RuPay Platinum Portal Access: Cardholders can log into the RuPay Platinum portal for a one-time registration to explore all complimentary and discounted features and offers available with the card.

Card Eligibility Criteria

• Age: The customer must have attained a minimum age of 18 years.
• Income: A regular income is required, which must be verifiable through Income Tax Returns (ITR).
• Employment Type: Eligibility extends to salaried employees of the Bank, other firms, Private Limited Companies, Partnership Firms, and Public Limited Companies.
• Credit History: Applicants must demonstrate a good credit history.

Important Product Details

• The card is accepted at both domestic and foreign merchants across the globe.
• The maximum amount available for cash withdrawals is 50% of the total spending limit.
• A maximum of Rs. 15,000 can be withdrawn from ATMs per day.
• Add-on cards come with flexible credit limits.
• An interest-free credit period of up to 51 days is provided.
• Payment for the card is required on or before the 5th of the succeeding month, a feature designed to suit the needs of the salaried class.
• There are no issuance fees or annual maintenance charges for the principal card.
• Cardholders earn 2X Loyalty Reward points on eligible POS and E-commerce transactions.
• Includes an insurance cover of up to 2 Lakhs for Personal Accident and Permanent Disability, provided by RuPay.
• Offers 24x7 Concierge services for various support needs.

Other Details

Card Activation

The card must be activated within 30 days from its date of issuance to comply with RBI Guidelines and avoid automatic closure of the card.

Methods for Card Activation:

• Through IVR/Toll Free:
  • Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
  • Select your preferred language (Press 1 for English / Press 2 for Hindi).
  • Press 2 for Activation of New Card.
  • Enter the full 16-digit card number followed by #.
  • Enter the Card Expiry Date in MMYY format as mentioned on the card.
  • Enter the One Time Password (OTP) sent to your registered mobile number.
  • Your card will then be activated.
• Through Bank’s Website:
  • Visit the credit card login portal at https://cclogin.bankofindia.co.in/.
  • Register and log in using your Customer ID (registered with the card) and password.
  • Navigate to the "Requests" tab and click on "Card Activation".
  • Select your Card Number from the options.
  • Enter the OTP sent to your registered mobile number.
  • Your card will then be activated.
• Through Omni Neo Mobile Banking App:
  • Log into the Omni Neo Mobile Banking App.
  • Go to the "My Cards" section.
  • Your card will be displayed; click on it to select.
  • Scroll down and select the "Activate the card" option.
  • Complete the activation process after OTP-based authentication.

PIN Generation

Methods for PIN Generation:

• Through IVR/Toll Free:
  • Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
  • Select your preferred language (Press 1 for English / Press 2 for Hindi).
  • Press 4 if you are an existing cardholder.
  • Enter your card number.
  • Press 2 to generate an OTP.
  • Enter the OTP sent to your registered mobile number.
  • Press 1 for other queries.
  • Press 1 again to generate your Card PIN.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN followed by #.
  • Re-enter the 4-digit PIN followed by # for confirmation.
  • Your PIN will be generated for your card.
• Through Mobile Banking App:
  • Log in to the Mobile Banking App with your credentials.
  • Go to the "Card Services" menu.
  • Select "Credit Card Services".
  • Choose the Active Card for which you want to generate a PIN.
  • Select the "Generate PIN" option.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN.
  • Re-enter the 4-digit PIN for confirmation.
  • Your PIN will be generated for your card.
• Through BOI Credit Control App:
  • Log in to the BOI Credit Control App with your credentials.
  • Select the Card for which you want to generate a PIN.
  • Select the "Change Green PIN" option.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN.
  • Re-enter the 4-digit PIN for confirmation.
  • Your PIN will be generated for your card.
• Through Bank’s Website:
  • Visit the credit card login portal at https://cclogin.bankofindia.co.in/.
  • Login using your Customer ID (registered with the card) and password.
  • Under the "Requests" tab, click on "Green PIN".
  • Select your Card Number from the options.
  • Enter the OTP sent to your registered mobile number.
  • Enter your desired 4-digit PIN.
  • Re-enter the 4-digit PIN for confirmation.
  • Your PIN will be generated for your card.

Enable Channels and Set Limits

Methods for Enabling Channels and Setting Limits:

• Through Bank’s Website:
  • Visit the credit card login portal at https://cclogin.bankofindia.co.in/.
  • Login using your Customer ID (registered with the card) and password.
  • Under the "Requests" tab, click on "Channel Configuration".
  • Select your Card Number.
  • Enable the POS/ATM/ECOM/NFC transaction flags and set the limits according to your requirements.
  • Click on submit to save the changes.
  • The limits will be successfully updated on your card.
• Through Omni Neo Mobile Banking App:
  • Log into the Omni Neo Mobile Banking App.
  • Go to the "My Cards" section.
  • Your card will be displayed; click on it to select.
  • Select the "Set Limits and Channels" option.
  • Enable the POS/ATM/ECOM/NFC transaction flags and set the limits according to your requirements.
  • Click on submit to save the changes.
  • The limits will be successfully updated on your card.
• Through Credit Card Control App:
  • Log in to the Credit Card Control App with your credentials.
  • Select the Card for which you wish to set Channels and Limits.
  • Enable the POS/ATM/ECOM/NFC transaction flags and set the limits according to your requirements.
  • Click on submit to save the changes.
  • The limits will be successfully updated on your card.
• Through IVR/Toll Free:
  • Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
  • Select your preferred language (Press 1 for English / Press 2 for Hindi).
  • Press 4 if you are an existing cardholder.
  • Enter your card number.
  • Press 2 to generate an OTP.
  • Enter the OTP sent to your registered mobile number.
  • Press 1 for other queries.
  • Enable the POS/ATM/ECOM/NFC transaction flags and set the limits according to your requirements.
  • Enter the OTP sent to your registered mobile number.
  • The limits will be successfully updated on your card.