BOI VISA GOLD INTERNATIONAL – Benefits, Fees & Eligibility

Introduction

The Visa Gold International credit card is a versatile offering designed for global usage, accepting transactions at all domestic and foreign merchants worldwide. It provides valuable benefits such as 2X reward points on Point of Sale (POS) and E-commerce (ECOM) transactions, along with the convenience of EMI at POS facilities. The card also features flexible credit limits for add-on cards and a billing cycle optimized for salaried individuals.

Fees

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

Rewards

• Earn 2X Reward points on Point of Sale (POS) and E-commerce (ECOM) transactions. (Excluding Blocked Categories)

Card Eligibility Criteria

• Eligible Applicants: Individuals, Staff/non-staff, private limited companies, partnership firms, and public limited companies.
• Income Requirement: Applicants must have a steady source of income verifiable through Income Tax Returns.

Important Product Details

• The card is accepted at all domestic and foreign merchants across the globe.
• EMI at POS facility is available on POS terminals managed/owned by M/S WorldLine Private Limited, irrespective of the 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• A maximum of Rs. 15,000 can be withdrawn per day from any ATM location worldwide.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 card is to be made on or before the 5th of the succeeding month, a schedule 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 the date of issuance to avoid its closure, as per RBI Guidelines.

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 or 2 for Hindi.
• Press 2 for Activation of New Card.
• Enter the 16-digit full card number followed by #.
• Enter the Card Expiry Date (MMYY format) mentioned on the card.
• Enter the OTP sent to your registered mobile number.
• Your card will be activated.

Through Bank’s Website

• Visit https://cclogin.bankofindia.co.in/.
• Register and log in using 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 be activated.

Through Omni Neo Mobile Banking App

• Log into the App and go to the "My Cards" section.
• Select the card appearing in the window pane.
• Scroll down to the "Activate the card" option.
• After OTP-based authentication, the 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 or 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 "Card Services" menu.
• Go to "Credit Card Services".
• Select the Active Card displayed for which PIN is to be generated.
• Select "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 PIN is to be generated.
• Select "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

• Visit 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.
• 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

• Visit 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 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 "My Cards" section.
• Select the card appearing in the window pane.
• 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 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.