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BOI RUPAY PLATINUM INTERNATIONAL VS BOI Rupay Swadhan Platinum

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 July 2026
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BOI RUPAY PLATINUM INTERNATIONAL
BOI RUPAY PLATINUM INTERNATIONAL
BOI Rupay Swadhan Platinum
BOI Rupay Swadhan Platinum

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot applicable as the card is Lifetime Free.
Spend Based WaiverNil
Foreign Transaction Fees3.49% of the transaction value
Foreign Transaction Fees3% currency conversion charges on all foreign currency transactions (international POS, online spends, ATM withdrawals).
Interest Rate (APR)1.70% per month (20.4% Annual)
Interest Rate (APR)1.20% per month (15.40% p.a.) on daily balances; 1.70% per month (22.45% p.a.) in case of default.

Rewards & Benefits

Welcome Bonus
Welcome BonusEarn 100 points as a one-time incentive with a minimum spend of ₹3,000 within 30 days of card issuance.
Rewards Rate
Rewards RateEarn 2X reward points on POS and E-Commerce Transactions (excluding blocked categories). Earn 2 Star Points on every ₹100 for regular spends and 3 Star Points on preferred categories.
Reward Type
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsInternational acceptance through RuPay Platinum network, beneficial for travelers.
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% of the transaction amount or actual charges applied by the merchant’s bank, whichever is higher.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2% of the cash amount, with a minimum of ₹50
Cash Advance Charges2% of transaction amount (minimum ₹50) at BOI ATMs; 2.5% of transaction amount (minimum ₹75) at other domestic ATMs.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOI RUPAY PLATINUM INTERNATIONAL

BOI Rupay Swadhan Platinum

Who is it for?

The BOI RUPAY PLATINUM INTERNATIONAL Credit Card is a lifetime-free offering from Bank Of India, ideal for those seeking a basic, no-frills card. It boasts international acceptance via the RuPay Platinum network, making it suitable for global transactions without annual fees. While it doesn't offer specific reward programs, its competitive interest rates and zero annual cost make it a cost-effective choice for everyday spending and international use.

Who is it for?

The BOI RuPay Swadhan Platinum Credit Card, issued by Bank of India, is a secured credit card designed to help individuals build or strengthen their credit profile. It stands out as a lifetime-free op…

Pros

Key benefits and features.

Enjoy the benefit of no joining or annual fees, making it truly lifetime free.

Benefit from global acceptance with the RuPay Platinum network for international transactions.

Experience competitive finance charges at 1.70% per month, lower than many other cards.

Pros

Key benefits and features.

Lifetime free with no joining or renewal fees, making it a cost-effective option for long-term use.

Secured against a Fixed Deposit/TDR, making it accessible for individuals with low CIBIL scores or poor credit history to build their profile.

Offers lower interest rates compared to many unsecured credit cards, providing financial relief on revolving credit.

Easy application process for individuals with proof of income as an employee or self-employed person.

Cons

Key drawbacks and limitations.

Lacks specific reward programs for categories like movies, dining, or travel benefits.

Standard foreign currency markup of 3.49% and cash advance fees are applicable.

No complimentary lounge access or other premium travel benefits are offered with this card.

Cons

Key drawbacks and limitations.

Using a fixed deposit as collateral reduces liquidity, as funds cannot be withdrawn in an emergency until the credit card account is closed.

The card offers limited benefits and lacks premium features such as complimentary lounge access, movie discounts, or dining offers.

While secured, the fixed deposit collateral offers a low interest rate, which is a trade-off for the card's security and accessibility.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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