BOI RuPay Select – Benefits, Fees & Eligibility

RuPay Select

Introduction

The RuPay Select is a contactless premium international credit card designed for global acceptance at domestic and foreign merchants. It offers a comprehensive suite of lifestyle benefits, including complimentary memberships to popular platforms, lounge access, and accelerated reward points on various transactions. The card also features essential financial conveniences like EMI at POS and flexible credit limits for add-on cards, making it a versatile option for regular spenders.

Fees

• Issuance Fee: NIL
• Annual Maintenance Charge (AMC) - Principal Card: Rs. 800/-
• Annual Maintenance Charge (AMC) - Add-on Card: Rs. 600/-
• Card Replacement Fee: Rs. 500/-

Rewards

• Reward Points: Earn 2X Reward points on Point of Sale (POS) and E-commerce (ECOM) transactions (excluding Blocked Categories).
• Complimentary Memberships:
  • Complimentary Annual Membership of Amazon Prime.
  • 3-Month membership per annum of Swiggy One.
• Lounge Access:
  • Complimentary Domestic Lounge Access across India: 8 per year (2 per quarter).
  • Complimentary International Lounge Access: 2 per year (subject to RuPay's discretion and changes without prior notice).
• Entertainment: INR 250 off on purchase of a minimum of 2 tickets per month from Book My Show.
• Shopping & Groceries: INR 200 discount voucher per month on Big Basket.
• Health & Wellness: Annual membership of customized Health checkup packages, usable once per annum.
• Insurance: Insurance cover of up to 10 Lakhs for Personal Accidental and Permanent Disability, provided by NPCI.
• Concierge Services: Access to 24*7 Concierge Services.
• Additional Offers: Refer to https://www.rupay.co.in for more offers.

Rewards Redemption Guide

To avail the RuPay Select Credit Card program offers:

• Step 1: Log into the RuPay Select Portal at https://www.rupay.co.in/select-booking.
• Step 2: Complete a one-time registration if you are a new user.
• Step 3: Login with your credentials or using an OTP.
• Step 4: Browse through all available benefits and offers on the portal.
• Step 5: Click on the specific feature/offer you wish to enjoy.
• Step 6: View complimentary and discounted features/offers and click "Redeem" to select your preferred date and time.
• Step 7: Confirm your booking. You will be directed to a payments page.
• Step 8: Complete a token Rs. 1 transaction using your RuPay Credit Card to finalize the booking.
• Step 9: After payment, you will receive a voucher code via mobile/email for the selected service, which needs to be presented at the merchant outlet/website.
• Note for existing RuPay Select Debit Card users: If you are already registered with your existing RuPay Select Debit Card, you must add your Credit Card details under the "ADD Card details" section to avail offers specific to the RuPay Select Credit Card.
• Service Issues: For any service- related issues, you can write directly to NPCI at rupayselect[at]npci[dot]org[dot]in or send an email to HeadOffice[dot]CPDcreditcard[at]bankofindia[dot]co[dot]in.

Card Eligibility Criteria

• Age: The customer should be a minimum of 18 years old.
• Income: The customer should have a steady and verifiable source of income, demonstrable through Income Tax Returns.
• Credit History: The customer must possess a good credit history.
• Residency: The customer needs to be an Indian resident or a Non-Resident Indian (NRI).

Important Product Details

• Positive Highlights:
  • Accepted at all domestic and foreign merchants across the globe.
  • Provides 24*7 Concierge Services.
  • EMI at POS facility is available on Point of Sale terminals managed/owned by M/S WorldLine Private Limited.
  • Complimentary Annual Membership of Amazon Prime.
  • Complimentary Domestic Lounge Access (8 per year, 2 per quarter).
  • Complimentary International Lounge Access (2 per year).
  • Includes a 3-month membership of Swiggy One per annum.
  • INR 200 discount voucher per month on Big Basket.
  • INR 250 off on minimum 2 tickets per month from Book My Show.
  • Annual membership for customized health checkup packages (once per annum).
  • Insurance cover of up to 10 Lakhs (Personal Accidental and Permanent Disability) provided by NPCI.
  • Offers 2X Reward points on POS and ECOM transactions (excluding Blocked Categories).
  • NIL issuance fee.
• Negative Highlights:
  • Annual Maintenance Charge (AMC) for Principal Card (Rs. 800/-).
  • Annual Maintenance Charge (AMC) for Add-on Card (Rs. 600/-).
  • Card Replacement Fee (Rs. 500/-).

Other Details

• Cash Limit: The maximum cash limit is 50% of the spending limit.
• ATM Withdrawal Limit: A maximum of Rs. 15,000 can be withdrawn from ATMs per day.
• Billing Cycle: The billing cycle runs from the 16th of the current month to the 15th of the next month.
• Payment Due Date: Payment is to be made on or before the 5th of the succeeding month, which generally suits the requirements of salaried individuals.
• Add-on Cards: Flexible credit limits are available for add-on cards.
• Card Activation:
  • Through IVR/Toll Free: Dial 022 4042 6006 or Toll Free No: 1800220088. Follow the prompts for new card activation, entering card number, expiry date, and OTP.
  • Through Bank’s Website: Visit https://cclogin.bankofindia.co.in/, register and login, then navigate to "Requests" tab and "Card Activation," select card number, and enter OTP.
  • Through Omni Neo Mobile Banking App: Log into the App, go to "My Cards" section, select the card, scroll to "Activate the card" option, and authenticate with OTP.
  • Important Note: The card must be activated within 30 days from the date of issuance to avoid its closure as per RBI Guidelines.
• PIN Generation:
  • Through IVR/Toll Free: Dial 022 4042 6006 or 1800220088, select options for existing cardholder, enter card number, generate OTP, then follow prompts to generate and re-enter 4-digit PIN.
  • Through Mobile Banking App: Login to the app, go to "Card Services" > "Credit Card Services", select the active card, choose "Generate PIN," enter OTP, and set the 4-digit PIN.
  • Through BOI Credit Control App: Login to the app, select the card, choose "Change Green PIN," enter OTP, and set the 4-digit PIN.
  • Through Bank’s Website: Visit https://cclogin.bankofindia.co.in/, login, go to "Requests" tab > "Green PIN," select card number, enter OTP, and set the 4-digit PIN.
• Setting Limits and Channels for Card Usage:
  • Through Bank’s Website: Visit https://cclogin.bankofindia.co.in/, login, go to "Requests" tab > "Channel Configuration," select card, enable POS/ATM/ECOM/NFC flags, set limits, and submit.
  • Through Omni Neo Mobile Banking App: Log into the App, go to "My Cards," select the card, choose "Set Limits and Channels," enable transaction flags, set limits, and submit.
  • Through Credit Card Control App: Login to the app, select the card, enable POS/ATM/ECOM/NFC transaction flags, set limits, and submit.
  • Through IVR/Toll Free: Dial 022 4042 6006 or 1800220088, select options for existing cardholder, enter card number, generate OTP, enable transaction flags, set limits, and confirm with OTP.