BOI RuPay Select Credit Card
- Updated On: 12 January, 2026
The BOI RuPay Select Credit Card is for customers who want to spend on their everyday necessities but also want benefits. The card has no joining fee and offers a good balance of rewards, savings, and lifestyle privileges, making it suitable for both regular spending and special purchases.
With the wide variety of benefits, like lounge access, a complimentary Amazon Prime annual membership, and a free Swiggy One membership for three months, the card is a smart choice for users who are looking for a credit card with no joining fee.
BOI RuPay Select Credit Card
( 4.3 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2X Reward Points in POS and ECOM Transactions
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
₹250 off on Purchases of a Minimum of 2 Tickets per Month from BookMyShow
Rewards Rate
2X Reward Points in POS and ECOM Transactions
Reward Redemption
1 Reward point = ₹0.25
Travel
N/A
Domestic Lounge Access
Complimentary Domestic Airport Lounge Access up to 8 Times Per Year (2 Per Quarter)
International Lounge Access
Complimentary Access to International Airport Lounges up to 2 Times Per Year
Golf
N/A
Insurance Benefits
Personal Accidental and Permanent Disability Insurance Coverage of up to ₹10 lakh provided by NPCI
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
2%
Interest Rates
2% p.m. (24% p.a.)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2%
Product Details
- 24×7 concierge service available
- Complimentary Amazon Prime annual membership
- Free domestic airport lounge access 8 times per year (2 per quarter)
- Free international lounge access 2 times per year
- Free Swiggy One membership for 3 months every year
- ₹200 BigBasket discount voucher every month
- ₹250 off per month on booking a minimum of 2 tickets on BookMyShow
- Free customized health check-up once per year
- Insurance cover up to ₹10 lakh for personal accident and permanent disability
Pros/Cons
Pros
- The card includes complimentary airport lounge access in India, which is useful for occasional travelers who want a more comfortable airport experience.
- Get a free Amazon Prime membership for one year, which includes free deliveries and Prime Video at no extra cost.
Cons
- The card has an add-on fee of ₹600, so if the cardholder wants to add any family member, they have to pay the fee.
- The card comes with no welcome benefits for new users, which may be disappointing for those seeking rewards upon sign-up.
Features and Benefits
The BOI RuPay credit card comes with benefits that make the card more useful and worth buying for customers.
Travel & Lounge Access
Cardholders can relax and travel comfortably with complimentary access to airport lounges.
- 8 domestic lounge visits per year across India (2 visits per quarter).
- 2 international lounge visits per year.
Movies & Entertainment
For movie enthusiasts, the card offers ₹250 off per month on bookings of at least 2 tickets on BookMyShow.
Health & Wellness
An annual health check-up package is available for users to use once a year. This package helps them to keep track of their health and spot any potential issues early on.
Insurance Coverage
To ensure users’ peace of mind, the card offers insurance coverage of up to ₹10 lakh for personal accidents and permanent disability, provided by NPCI.
Reward Points
Every time the cardholder makes a purchase, whether at a point-of-sale (POS) terminal or through online transactions, they will benefit from an enhanced rewards program by earning 2X the usual reward points.
Other Benefits
- Free annual membership of Amazon Prime, giving you access to shopping, movies, and fast delivery.
- 3-month membership of Swiggy One every year for extra savings on food delivery.
- ₹200 discount voucher every month on BigBasket to help reduce your grocery bills.
Fees and Charges of BOI RuPay Select Credit Card
| Fees and Charges | Amount |
| Issuance | Nil |
| Annual Maintenance Charge | ₹800 |
| Add-on | ₹600 |
| Replacement charge | ₹500 |
Eligibility
To qualify, customers must meet the following criteria:
- The customer must be at least 21 years old.
- Customers must have a regular income and provide proof of it.
- Customers can either be salaried employees or self-employed individuals managing their own businesses.
- The customer should have a good credit history.
- Customers must be either Indian residents or Non-Resident Indians (NRIs).
Bottom Line
The BOI RuPay Select Credit Card is a practical choice for people who want everyday savings along with useful lifestyle benefits, without paying a joining fee. From lounge access and entertainment discounts to health check-ups and complimentary memberships, the card offers benefits for different needs.
It suits regular spenders who want simple rewards, basic travel comfort, and added savings on groceries and food delivery. It’s a well-balanced card that delivers good benefits without making things complicated.
FAQs:
Is there any joining or annual fee for the BOI RuPay Select Credit Card?
No, the BOI RuPay Select Credit Card comes with no joining fee. The annual fee may also be waived based on the bank’s prevailing terms and usage criteria.
What rewards do I earn when I spend with this card?
You earn 2X reward points on both online and POS transactions, making it rewarding for everyday spending.
Does the card include any insurance coverage?
Yes, the card provides personal accident and permanent disability insurance coverage of up to ₹10 lakh, as offered by NPCI for eligible RuPay Select cardholders.
What benefits will I get from the Amazon Prime annual membership?
The cardholders will receive a complimentary Amazon Prime annual membership, which includes shopping benefits, video streaming, and fast delivery.