BOI Visa Gold International Credit Card

Reward Points Structure

Customers will have the opportunity to earn double the reward points for their purchases made through both Point of Sale (POS) transactions and E-commerce (ECOM) transactions. This means that for every time they spend at physical retail locations or online stores, customers will receive two reward points instead of just one.

Fee and Charges

Eligibilty

To qualify, the applicant must meet the following criteria:

• Applicants must be at least 21 years old. This age requirement ensures that individuals are legally recognized as adults and have the maturity to manage financial responsibilities.
• It’s essential for applicants to have a stable and consistent source of income. This may include salary from employment or income from self-employment. Proof of income could be demonstrated through payslips, bank statements, or tax returns.
• Applicants should either be salaried employees, working for an organization, or self-employed, indicating they run their own business. This criterion helps lenders assess the applicant’s financial stability and ability to repay obligations.
• A positive credit history is crucial as it reflects the applicant’s past credit behavior. Lenders often check credit scores to determine how reliably an individual has met their previous financial commitments. A strong credit history typically enables easier access to loans and favorable interest rates.
• Applicants must be either Indian residents or Non-Resident Indians (NRIs).

Bottom Line

The Bank of India Visa Gold International Credit Card is a practical choice for people who want a simple and dependable credit card for everyday use. It works well for regular shopping, online payments, and occasional international spending without putting pressure on your budget.

With no joining fee and a low annual fee of ₹300, the card offers good value, especially for users who don’t need premium benefits. The 2X reward points on shopping transactions are useful for daily expenses, even though the rewards program itself is quite basic.

However, this card is not meant for luxury or travel-focused users. If you are looking for airport lounge access, travel insurance, dining discounts, or high-end rewards, this card may feel limited.