BOI Rupay Swadhan Platinum – Benefits, Fees & Eligibility

Introduction

The Rupay Swadhan Platinum Credit card is primarily issued against a Term Deposit Receipt (TDR). This card is designed for global acceptance and offers accelerated reward points on various transactions, making it a valuable option for everyday spending.

Fees

• Issuance Fee: NIL
• Annual Maintenance Charges (Principal Card): NIL
• Annual Maintenance Charges (Add-on Card): NIL
• Card Replacement Fee: NIL

Rewards

• Earn 2X Reward points on Point of Sale (POS) transactions.
• Earn 2X Reward points on E-commerce (ECOM) transactions.
• Blocked Categories are excluded from earning 2X reward points.

Card Eligibility Criteria

• The card is available for Individuals, Staff/non-staff, private limited companies, partnership firms, and public limited companies.
• The customer should have a steady source of income which is verifiable through Income Tax Returns.

Important Product Details

• The card is exclusively issued against a Term Deposit Receipt (TDR).
• It is accepted at all domestic and foreign merchants across the globe.
• EMI (Equated Monthly Installment) facility at Point of Sale (POS) is available on terminals managed/owned by M/S WorldLine Private Limited, irrespective of the acquiring bank.
• The maximum cash limit is 50% of the total spending limit.
• A maximum of Rs. 15,000 can be withdrawn per day from any ATM location worldwide.
• The billing cycle runs from the 16th of the current month to the 15th of the next month.
• Payment for the outstanding balance is due on or before the 5th of the succeeding month, which is designed to suit the requirements of salaried individuals.
• Flexible credit limits are available for add-on cards.
• The card must be activated within 30 days from its issuance date to avoid its closure, as per RBI Guidelines.

Other Details

Card Activation Steps

Through IVR/Toll Free

• Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
• Press 1 for English or Press 2 for Hindi.
• Press 2 for Activation of New Card.
• Enter the 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 then be activated.

Through Bank’s Website

• Click on the link: https://cclogin.bankofindia.co.in/.
• Register and Login with your Customer ID (registered with the card) and password.
• Under the "Requests" tab, click on "Card Activation".
• Select your Card Number.
• Enter the OTP sent to your registered mobile number.
• Your card will then be activated.

Through Omni Neo Mobile Banking App

• Log into the App and navigate to the "My Cards" section.
• The card will appear in the window pane; click on it to select it.
• Scroll down to the "Activate the card" option.
• After OTP based authentication, your card will be activated.

PIN Generation Steps

Through IVR/Toll Free

• Dial IVR No: 022 4042 6006 or Toll Free No: 1800220088.
• Press 1 for English or 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 a 4-digit PIN followed by #.
• Re-enter the 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 the "Card Services" menu.
• Navigate to "Credit Card Services".
• Select the Active Card displayed for which the PIN is to be generated.
• Select the "Generate PIN" option.
• Enter the OTP sent to your registered mobile number.
• Enter a 4-digit PIN.
• Re-enter the 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 the PIN is to be generated.
• Select the "Change Green PIN" option.
• Enter the OTP sent to your registered mobile number.
• Enter a 4-digit PIN.
• Re-enter the 4-digit PIN.
• Your PIN will be generated for your card.

Through Bank’s Website

• Click on the link: https://cclogin.bankofindia.co.in/.
• Login with your Customer ID (registered with the card) and password.
• Under the "Requests" tab, click on "Green PIN".
• Select your Card Number.
• Enter the OTP sent to your registered mobile number.
• Enter a 4-digit PIN.
• Re-enter the 4-digit PIN.
• Your PIN will be generated for your card.

Steps to Set Limits and Channels for Card Usage

Through Bank’s Website

• Click on the link: https://cclogin.bankofindia.co.in/.
• Login with your Customer ID (registered with the card) and password.
• Under the "Requests" tab, click on "Channel Configuration".
• Select your Card Number.
• Enable POS/ATM/ECOM/NFC transaction flags 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 it to select it.
• Select the "Set Limits and Channels" option.
• Enable POS/ATM/ECOM/NFC transaction flags 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 flags 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 or 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 flags 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.