Bank of India Visa Gold Credit Card

1. Interest Free Credit: All the purchases that you make using Bank of India Visa Gold Card will be given an up to 51 days of interest free credit period.
2. EMI Facility: The cardholder can easily convert his purchases to EMI given that the value of transaction is over Rs.5000. Now, you do not have to think twice before making any costly purchases.
3. Balance Transfer Facility: Bank of India Visa Gold Cardholders can transfer their outstanding balance on other bank credit card to Bank of India Visa Gold Card subject to a maximum of 75% of spending limit. The minimum amount required to avail the balance transfer facility is Rs.10,000 for other bank cards and Rs.5,000 for India card.
4. Insurance Concession: Cardholders can avail concession in the premium of mediclaim insurance policy for up to Rs. 5 lakhs. This benefit is offered under tie-up with National Insurance Co. Ltd.
5. Cash Withdrawal: Bank of India Visa Gold Cardholders can withdraw cash from any ATM including other bank ATMs.
6. Revolving Credit Facility: By availing this feature, the cardholder has to pay only 10% of the bill on or before the due date. The cardholder will be charged an interest of 1.70% per month on the 90% outstanding balance. The customer will be charged an interest of 2.5% per month if the entire amount is overdue.

Benefits of Bank of India Visa Gold Card

Want to know what makes the Bank of India Visa Gold Card one of the most sought-after credit cards in the market? Read on to find more about the benefits that accompany this credit card.

1. Wide Acceptance: Bank of India Visa Gold Card is a photo credit card and is accepted at over 2. 5 lakh merchant locations and can also be used to withdraw cash from over 90,000 ATMs.
2. Attractive Interest: Customers have the option to convert their costly purchases to EMIs and pay back the same over flexible tenure. Cardholders are offered affordable rate of interest, revolving credit facility at a preferential rate and interest free credit for up to 51 days.
3. Cash Advance Facility: Bank of India Visa Gold Cardholders can avail the cash advance facility at more than 4000 bank branches with free remittance option for credit card payment.
4. Flexible Credit Limit: Cardholders are also offered flexible credit limit for supplementary cards.
5. Impeccable Customer Guidance: Bank of India offers 24/7 toll free customer guidance for reporting stolen and loss cards.
6. Reward Programs: With reward points for every purchase that you make using Bank of India Visa Gold Card, you can make shopping and spending more rewarding.

Fees and Charges for BOI Visa Gold Card

The fees and charges pertaining to Bank of India Visa Gold Card is as given below.

The fees and charges for Bank of India Visa Gold Card are varying and subject to frequent change. Do contact Bank of India to learn about the prevailing rates before making a credit card transaction.

Eligibility for Bank of India Visa Gold Card

The eligibility for Bank of India Visa Gold Card is as follows.

1. This credit card is issued to a person of Indian origin.
2. Non-resident Indians and individuals of foreign origin who are currently residing in India for employment can also apply for this card.
3. Income Criteria - The applicant must have a gross annual income of Rs.1. 50 lakhs and above.
4. The customer must have a commendable CIBIL score and should not have defaulted on any payment of dues pertaining to Bank of India or any other bank.
5. The applicant must have a steady income which will be verified from the income tax return statements and salary slips.

Documentation for Bank of India Visa Gold Card

The applicant will have to submit the following documents to avail a Bank of India Visa Gold Card.

1. Proof of identity - You must submit either passport, voter ID, driving license, Aadhaar card or PAN card.
2. Address Proof - You must provide recent telephone bills, electricity bills, passport or voter ID as a proof of address.
3. Income Proof documents - recent IT Returns, salary slips and last six months bank account statements showing salary credit.

The list of documents required will vary depending on the employment and income type of the applicant. Do enquire about the documents required for your profile before starting with the application process.

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