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Bank of India credit cards: none confirmed open

Bank of India publishes no earn table for any of its 8 cards, so we cannot put a ₹ figure on one. Every card is listed below with what we do know.

8cards we track, none we can value

Verified 2 sources

Points and where they go

No Bank of India card names the currency it earns in a document we could read.

Recent changes

We have no dated change to any Bank of India card on record.

All 8 Bank of India cards

Fees run ₹0 to ₹1,000, and 3 of them are genuinely free for life. We cannot value any of them: Bank of India publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 5 keep, 1 downgrade, 2 cancel.

Not confirmed on sale 7

  1. BOI RuPay Select Credit Card

    Not valued fee or rewards not published

    ₹0 joining + ₹800/yr · Lounges in India and abroad · 3% forex markup

    Keep

  2. BOI RuPay Bharat Platinum Credit Card

    Not valued fee or rewards not published

    ₹0 joining + ₹400/yr · Lounges in India and abroad · 3% forex markup

    Keep

Closed or paused 1 card

  1. BOI India Card

    Not valued fee or rewards not published

    ₹0 fee · 3% forex markup

    Cancel Closed

Standard charges

The charges Bank of India words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

Bank of India's standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)2%/mo (24%/yr) unsecured; 3%/mo (36%/yr) on default6 of 8
Cash withdrawal fee2% (min ₹50) at a BOI ATM; 2.5% (min ₹75) elsewhere in India; 2.5% (min ₹125) overseas, plus the 2% conversion charge6 of 8
Over-limit fee2% of the over-limit amount, min ₹2507 of 8

Cards counts the Bank of India cards whose terms print this exact wording, out of those whose terms print the charge at all.

Bank of India in RBI's figures

Cards in force
1,52,711
0.1% of India's cards
Spent in August 2026
₹193 crore
66% of it online
Spend per card
₹12,640
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Bank of India documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Bank of India's Annexure VII card service charges, revised 01-Jul-2023 (archived 01-Oct-2025) — the 3% foreign-currency conversion charge and the 21–51 day interest-free period read
  2. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read