Bank of India Cards

About Bank of India

Bank of India is one of India's oldest public-sector banks, founded in 1906 and headquartered in Mumbai. Its 7-card lineup spans RuPay and Visa networks: RuPay Bharat and RuPay Swadhan Platinum serve government-sector employees, students, and priority-sector customers with low fees, while the Platinum/Gold International tiers (Visa, RuPay) and the RuPay Select card offer stronger rewards and wider international acceptance for frequent spenders.

Card-by-Card Breakdown

BOI RuPay Swadhan Platinum and BOI RuPay Platinum International are both free, aimed at government-sector employees, students, and priority-sector customers who want basic cashback without any ongoing cost.

BOI Visa Platinum International carries a modest renewal fee (~₹500) as the Visa-network alternative to the RuPay international option above.

BOI RuPay Select is the only fee-charging card with a meaningful cost (₹800 renewal), justified by the strongest reward rate in the lineup - worth it only if you'll use that higher earn rate enough to clear the fee.

Debit & Prepaid Cards

Beyond its 7 credit cards, Bank of India issues a much larger lineup of 16 savings-account debit cards and 2 prepaid cards:

• Government scheme-linked debit cards: the BOI RuPay Kisan Debit Card (for Kisan Credit Card account holders, ₹15,000 daily ATM limit, Star Points on POS/e-commerce), BOI RuPay Mudra Debit Card (for PMMY MUDRA loan beneficiaries, personalized in the firm's name), and BOI RuPay PMJDY Debit Card - these domestic-only RuPay cards are aimed at priority-sector and government-scheme customers rather than general retail spenders.
• Premium/standard debit tiers: cards such as the RuPay Select and Visa Signature variants add lounge access, insurance cover up to ₹10 lakh, wellness benefits, and a ₹400 annual maintenance charge for account holders maintaining higher balances.
• Prepaid cards: the BOI Gift Prepaid Card is a reloadable, NCMC transit-enabled RuPay card with a balance cap of up to ₹2 lakh for Full KYC holders, while the BOI CASHIT Prepaid Card is a Visa GPR card aimed at family expense budgeting and corporate reimbursements, also capped at ₹2 lakh with a ₹15,000 daily ATM limit.

Applying for a Bank of India Credit Card

Government-sector employees and students should look first at the free RuPay Bharat, Swadhan Platinum, or RuPay Platinum International cards, given BOI's focus on serving this segment with relaxed, accessible eligibility. Applicants wanting stronger rewards and are comfortable with a modest fee should consider RuPay Select instead.

RuPay Select and Visa Platinum International both earn 2X reward points on POS and e-commerce transactions; RuPay Swadhan Platinum adds 2 Star Points per ₹100 on regular spends (3 on preferred categories) on top of its 2X POS/e-commerce rate.

Explore the full card portfolio below to find the right card for your spending profile.