BOI Visa Gold International Credit Card
Cancel₹500 a year for the Visa Platinum's fee and none of its benefits.
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 #666
Why #666 The same ₹500 as Bank of India's Visa Platinum, with the lounge access, the railway lounge and the streaming bundle all removed. There is no reason to hold it.
The take
This is the card its own shelf argues against. Bank of India charges ₹500 a year for the Visa Gold — the identical figure it charges for the Visa Platinum — and the Gold's page lists none of what the Platinum's does: no airport lounge visit a quarter, no railway lounge visit a quarter, no streaming membership, no insurance cover, no concierge. What is left is worldwide acceptance, EMI at point of sale through Worldline, ₹15,000 a day of ATM cash anywhere, a billing cycle that suits a salaried payer, and the same unpriced reward multiplier every Bank of India card carries. The bank's own charge schedule even bills the two tiers on one shared row, which is the clearest possible statement that the Gold is the Platinum minus the benefits. If Bank of India has already issued you one, ask for the Platinum at the same price.
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
- Accepted worldwide, with ₹15,000 a day of ATM cash at any location globally
- EMI at point of sale on Worldline-managed terminals, whoever the acquirer is
- Bank of India's foreign-currency conversion charge is 3%, under the 3.5% most Indian issuers charge
Watch out
- This tier has NO lounge access at all — and BOI's Visa Platinum costs the SAME ₹500 while opening an airport lounge every quarter, a railway lounge every quarter and a streaming bundle
- No insurance cover and no concierge are published for this card either
- 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 ₹300 each
- BOI publishes no fuel-surcharge waiver; its own schedule charges 1% on fuel transactions
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
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
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.
Billed on the SAME row as the Visa Platinum — row 7, "Visa Gold /Platinum International Credit Card-Principal — Rs.500.00" — for a feature list carrying no lounge line, no insurance line and no concierge line. Same fee, none of the benefits, which is why the card files verdict: cancel against its own shelf. The product page has no BENEFITS tab at all, unlike the Platinum's.
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 Visa Gold International product page (archived 11-Dec-2023) — the ₹500 charge, and a feature list with no lounge, insurance or concierge line on it
- official Bank of India's Annexure VII card service charges, revised 01-Jul-2023 (archived 01-Oct-2025) — which bills the Gold and the Platinum on one shared ₹500 row
- 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