BOI VISA PLATINUM INTERNATIONAL – Benefits, Fees & Eligibility

Introduction

The VISA PLATINUM INTERNATIONAL is a premium Platinum credit card offering global acceptance and enhanced reward earning potential. Cardholders can earn 2X reward points on all Point of Sale (POS) and E-commerce transactions (excluding blocked categories), along with flexible EMI options at merchant POS terminals. This card provides convenient cash withdrawal facilities from ATMs worldwide and offers flexible credit limits for add-on cards, making it suitable for a broad range of spending needs.

Welcome Benefits

• Special benefits are applicable for Credit Cards issued from September 1, 2024, to February 28, 2025.
• Eligible users will receive a Membership ID via SMS/Whatsapp to access these benefits.

Registration Process for Benefits Portal

• Your Membership ID will be sent to your registered mobile number via SMS/Whatsapp.
• Cardholders must register and create an account on https://visabenefits.thriwe.com/.
• Registration requires your membership ID, mobile number, OTP, and email address verification.
• An INR 1 authentication transaction is needed to validate your identity.
• After initial registration, subsequent logins will be based on your mobile number and OTP.
• Upon logging in, you will access a dashboard displaying all available benefits.
• You can click on any benefit to issue a voucher or code, which will also be sent to you via email/SMS.
• Benefits can be redeemed based on their validity period.
• After redemption, the counter for that particular benefit will reduce by one.
• You can access details of your redeemed benefits anytime after claiming them.
• Membership IDs will expire within 90 days of receiving them from Visa.
• Once a membership ID is activated/registered, the associated account remains valid for 12 months.

Airport F&B Vouchers

• Cardholders need to log in to the portal and click on "issue voucher."
• You must select the airport and outlet to generate a voucher.
• Generated vouchers must be redeemed within 48 hours; otherwise, they will be considered redeemed.
• Present the voucher at the outlet during purchase to get the bill amount deducted by the voucher amount.
• A list of eligible outlets and airports will be available on the portal.
• Voucher Validity: 48 hours.
• Vouchers, once issued, can be cancelled within the timeframe (before expiry) to adjust the counter and refund the quota to the cardholder.
• For escalations, use the toll-free number or email address mentioned on the portal.

Amazon & Swiggy Vouchers

• Cardholders need to log in to the portal and click on "issue code."
• The generated code should be used on Swiggy or Amazon to add to your respective wallets and adjust the bill amount with the coupon amount.
• Voucher Validity: 12 months for Amazon, 3 months for Swiggy.
• For escalations, use the toll-free number or email address mentioned on the portal.

Fees

• Issuance Fee: NIL
• Annual Maintenance Charge (AMC):
  • Principal Card: Rs. 500/-
  • Add-on Card: Rs. 300/-
• Card Replacement Fee: Rs. 300/-

Rewards

• Accelerated Reward Points: Earn 2X Reward points on all Point of Sale (POS) and E-commerce transactions. Note: Blocked Categories are excluded from earning 2X reward points.
• Airport F&B Benefits: Access to Airport Food & Beverage vouchers, available through registration on the dedicated benefits portal.
• Online Shopping and Food Delivery Vouchers: Obtain Amazon & Swiggy vouchers, which can be availed through the dedicated benefits portal.

Rewards Redemption Guide

• For Airport F&B and Amazon/Swiggy Vouchers:
  • To redeem these special benefits, first register on the dedicated portal https://visabenefits.thriwe.com/. Your membership ID for registration will be sent to your registered mobile number via SMS/Whatsapp.
  • During registration, you'll need your mobile number, OTP, and email address, along with an INR 1 authentication transaction for identity validation.
  • Once registered, log in using your mobile number and OTP.
  • On the dashboard, you can view and select available benefits. Click on the desired benefit to issue a voucher or code, which will be delivered via email/SMS.
  • For Airport F&B, select the airport and outlet to generate a voucher, then present it at the outlet within 48 hours for redemption. You have the option to cancel unredeemed vouchers before expiry to regain your quota.
  • For Amazon & Swiggy, apply the generated code to your respective wallets or during checkout to adjust the bill.
  • Keep track of your redeemed benefits and their details on the portal.
  • Remember that membership IDs expire within 90 days of receipt, but once activated, the account is valid for 12 months.
  • For any issues or escalations regarding these benefits, please use the toll-free number or email address provided on the portal.
• For 2X Reward Points: Specific redemption guidelines for the 2X reward points were not detailed in the provided information, only the earning mechanism.

Card Eligibility Criteria

• The card is available to Individuals, Staff/non-staff, private limited companies, partnership firms, and public limited companies.
• Applicants must demonstrate a steady and verifiable source of income, typically through Income Tax Returns.

Important Product Details

• The card is globally accepted at all domestic and foreign merchants.
• EMI at POS facility is available on POS terminals managed or owned by M/S WorldLine Private Limited.
• Cardholders earn 2X Reward points on Point of Sale (POS) and E-commerce transactions (excluding blocked categories).
• The maximum cash limit for the card is 50% of the total spending limit.
• A maximum of Rs. 15,000 per day can be withdrawn from any ATM location worldwide.
• Flexible credit limits are provided for add-on cards.
• Card issuance is complimentary (NIL issuance fee).
• The Annual Maintenance Charge is Rs. 500 for the principal card and Rs. 300 for any add-on cards.
• A fee of Rs. 300 applies for card replacement.
• Special welcome benefits, including Airport F&B and Amazon/Swiggy vouchers, are available for cards issued between September 1, 2024, and February 28, 2025.

Other Details

• 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 required to be made on or before the 5th of the succeeding month.
• Card Activation:
  • It is mandatory to activate the card within 30 days from the date of issuance to avoid its closure, as per RBI Guidelines.

  • Through IVR/Toll Free

    • Dial 022 4042 6006 or Toll Free No: 1800220088.
    • Press 1 for English or 2 for Hindi.
    • Press 2 for Activation of New Card.
    • Enter your 16-digit 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 then be activated.

  • Through Bank’s Website

    • Visit https://cclogin.bankofindia.co.in/.
    • Register and log in using your Cust 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 go to the “My Cards” section.
    • Your card will appear in the window pane; click on it to select.
    • Scroll down to the “Activate the card” option.
    • After OTP based authentication, your card will be activated.
• PIN Generation:

  • Through IVR/Toll Free

    • Dial 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 your desired 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, then select “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 your desired 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 your desired 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 with your Cust 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 your desired 4-digit PIN.
    • Re-enter the 4-digit PIN.
    • Your PIN will be generated for your card.
• Set Limits and Channels for Card Usage:

  • Through Bank’s Website

    • Visit https://cclogin.bankofindia.co.in/.
    • Login with your Cust 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 limits 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.
    • Your card will appear in the window pane; click on it to select.
    • Select the “Set Limits and Channels” option.
    • Enable POS/ATM/ECOM/NFC transaction flags and set the limits 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 limits as per your requirement.
    • Click on submit to save the changes.
    • Limits will be updated successfully in the card.

  • Through IVR/Toll Free

    • Dial 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 limits as per your requirement.
    • Enter the OTP sent to your registered mobile number.
    • Limits will be updated successfully in the card.