BOI Master Platinum International Credit Card
Downgrade₹1,000 for four lounge visits, when the same bank sells eight for ₹500.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Bank of India publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #663
Why #663 Twice the fee of BOI's Visa Platinum for half the lounge quota and no streaming bundle — the weakest rung on Bank of India's own shelf.
The take
Compare this one against its own shelf and it falls over. Bank of India charges ₹1,000 a year for the Mastercard Platinum and gives you one complimentary domestic airport lounge visit a quarter — four a year. Its Visa Platinum costs ₹500, gives you the same four airport visits, and adds four railway lounge visits and a streaming bundle on top. The RuPay Bharat Platinum costs ₹400 and adds two international lounge visits and a quarterly voucher book. Nothing on this card's page justifies the gap: no international lounge access, no memberships, no vouchers, no insurance line, and the same unpriced reward multiplier every BOI card carries. It is a perfectly functional Mastercard with worldwide acceptance and a lounge visit a quarter — just the most expensive way Bank of India sells that.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Bank of India publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- One complimentary domestic airport lounge visit every quarter — four a year
- Accepted worldwide, with EMI at point of sale on Worldline-managed terminals
- Bank of India's foreign-currency conversion charge is 3%, under the 3.5% most Indian issuers charge
Watch out
- ₹1,000 a year buys four lounge visits; BOI's own Visa Platinum at ₹500 buys those four plus four railway lounge visits
- No international lounge access, no memberships, no vouchers and no insurance are published for this tier
- No base earn rate and no point value are published, so the reward side cannot be valued, ranked or compared
- No spend-based fee waiver, and add-on cards cost ₹500 each
- BOI's charge schedule also prints a ₹500 DOMESTIC variant of this card that its product page never mentions — check which one you are being sold
What these points actually fly
Bank of India has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
43 of 793 tracked doors
Opens 43 of 793 tracked lounge doors across 24 airports , via Mastercard India — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
Open to individuals, staff and non-staff, private and public limited companies and partnership firms, on a steady income verifiable through income-tax returns. Billing runs from the 16th to the 15th with payment due by the 5th of the following month, and the card must be activated within 30 days of issue.
per the official Bank of India MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
5 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
TWO PRICES, ONE PRODUCT NAME. Row 11: "Issuance & Annual Charges for - Master Platinum International Credit Card- Principal — 1000.00 (International) / 500.00 (Domestic)", row 12 the add-on at 500.00 international / 300.00 domestic. The product page prices only the international variant at ₹1,000 and never mentions a domestic one, so the card file carries ₹1,000 and the ₹500 variant is flagged in its watchOuts — a fee-table row alone is not a product. One complimentary domestic airport lounge visit a quarter, four a year, and no international lounge line at all.
per the official Bank of India MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Bank of India's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official Bank of India's Master Platinum International product page (archived 11-Dec-2023) — one complimentary domestic lounge visit a quarter, and the ₹1,000 charge
- official Bank of India's Annexure VII card service charges, revised 01-Jul-2023 (archived 01-Oct-2025) — and the ₹500 domestic variant of this card that the product page omits
- official Reserve Bank of India, Bank-wise ATM/POS/Card Statistics for June 2026 — 127,185 Bank of India credit cards outstanding, the regulator's own confirmation that this book is live