Bank of India Credit Cards: Rewards From Everyday to Elite

Bank of India, a PSU lender since 1906, offers four credit cards spanning ultra-premium RuPay travel to secured entry-level cards.
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Credit Card
BOI Celestia Credit Card
Ultra-premium RuPay Ekaa card with unlimited lounge access, ITC hotel stays, and golf privileges.
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Credit Card
BOI RuPay Select Credit Card
Zero-joining-fee card with Amazon Prime, Swiggy One, and 8 domestic lounge visits yearly.
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Credit Card
BOI RuPay Swadhan Platinum Credit Card
Lifetime-free secured card issued against FD, ideal for building credit history from scratch.
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Credit Card
BOI Visa Gold International Credit Card
Basic Visa card offering 2X rewards on shopping with a low ₹300 annual fee.
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Credit Card
RuPay Star Lakshmi Credit Card
Women-focused RuPay card combining lifestyle privileges, rewards and airport lounge access.
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Credit Card
Master India Domestic Credit Card
Legacy domestic Mastercard designed for card usage within India and Nepal.
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Credit Card
RuPay Platinum Credit Card
Lifetime-free international RuPay card with rewards, concierge services and insurance benefits.
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Credit Card
Master Platinum International Credit Card
Legacy international Mastercard offering worldwide usage and an extended interest-free credit period.
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Credit Card
RuPay Bharat Credit Card
RuPay rewards card combining lifestyle vouchers with domestic and international lounge access.
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Unlock Smarter Savings with Bank of India Credit Cards

Bank of India began on September 7,1906, in Mumbai, started by a group of visionary Indian businessmen led by Sir Sassoon J. David. It was created during the great Swadeshi movement, and its core concept was to provide credit facilities for local commerce and industrialization. It aimed to serve the nation's people rather than the colonial rulers. BOI was nationalized in 1969 and gradually expanded its banking business. For decades, however, the bank kept credit cards on the back burner.

Between March 2025 and March 2026, BOI’s credit card base jumped 66.6%, from 73,016 to 1,21,655 cards. By July 2026, management said it had revamped the credit card offering and set a three-lakh-card target for FY27-end. That growth now comes with a much broader choice for customers. BOI now offers zero-AMC credit, FD-backed access, and even health-focused women’s credit cards. So, it's not the number of cards BOI offers; it's whether they deserve a seat in your wallet.

BOI Built Different Card Paths, Not Just Higher Price Tags

Bank of India is moving away from generic divisions in its credit card business. It even claims the credit limit may be as high as 20% of gross annual income and goes up to 40% with merit. Refer to the table below to select the appropriate Bank of India credit card for you.

Credit Cards

Best Fit

Joining and Renewal Fee

Core Rewards

Renewal waived on spending

Bank of India RuPay Platinum Credit Card

everyday UPI needs 

nil issuance; nil principal AMC

2X Loyalty Reward Points on eligible POS and e-commerce spends

Not applicable

Bank of India SwaDhan RuPay Platinum Credit Card

Fixed-deposit credit builders 

Nil issuance; Nil principal AMC

2X Reward Points on eligible POS and e-commerce spends

Not applicable

Bank of India Star Lakshmi Credit Card

Women’s Wellness

nil issuance; ₹500 AMC

2X Loyalty Reward Points on eligible POS and e-commerce spends

No card-specific spend waiver published

Bank of India RuPay Select Credit Card

Lifestyle 

nil issuance; ₹800 AMC

2X Loyalty Reward Points on eligible POS and e-commerce spends

No card-specific spend waiver published

Bank of India Celestia Credit Card

Premium travel

₹11,999 joining; ₹11,999 AMC

5X Loyalty Reward Points on dining, airline bookings and fuel

₹8 lakh yearly spend

 

BOI Credit Cards Work Beyond the Swipe

The useful Bank of India credit card benefits aren't always mentioned alongside the reward rate. Some come from how the bank prices, services, and rewards your relationship.

Bank of India Credit Card Eligibility Gives You Choice

You can choose a card that fits your profile. For example, Bank of India zero-fee cards, like the Platinum tier, require a credit score of 650+ and no income proof. On the other hand, lifestyle credit cards like the BOI Select Credit Card and BOI Rupay Star Lakshmi Credit Card require a minimum monthly income of ₹35,000 to ₹50,000.

Premium cards like the Bank of India Celestia Credit Card require ₹15 lakh+ in annual income. Further, government employees on an Elite Salary Account get automatic fee waivers. You will get an instant rejection if you have active defaults, bankruptcy, or credit scores below 650. Different credit cards also have different age restrictions for applying.

Star Rewards That Compound Across Your Banking Behaviors

Most Bank of India credit card reward programs reward one thing: your card spending. With Bank of India Star Rewards, you can get quite a bit more than that. You earn reward points from fixed deposits, recurring deposits, PPF investments, internet banking transfers, and bill payments.

Whether you swipe or not, your Star Points never expire. They keep building upon themselves and show great real value when you're not about to get paid off. Here's where those points actually convert to cash.

Redemption Rule

Things to Know

Redemption fee

Nil under current Bank of India credit card terms

Point expiry

Star Points do not expire on most BOI cards.

Point value

1 Star Point ≈ ₹0.25 (travel bookings yield ₹0.50–₹1.00; statement credit yields ₹0.20)

Card closure

Unredeemed Star Points are forfeited.

Redemption options

Travel, vouchers, movies, merchandise, cashback, airline miles

 

So, start by listing the aspects of your finances you want your credit card to change. You can prioritize lowering fees, secured credit, lifestyle value, or premium travel. Next, decide whether the card's annual fees, rewards, and BOI relationship match your spending habits. The credit card with the most features and benefits isn't always the best Bank of India credit card. It's the one that will leave your wallet with a solid reason to hold onto it!

Frequently Asked Questions

Q1. Which is the Best Credit Card of the Bank of India?

The best Bank of India credit card depends on your spending habits. For example, if you want a premium lifestyle and travel benefits with no joining fees, the BOI RuPay Select Credit Card is the best choice.

Q2. What are the Bank of India Credit Cards benefits?

By having a Bank of India credit card, you will be able to earn multiple rewards. You can use those rewards on daily purchases, use the card worldwide, and enjoy lifestyle benefits.

Q3. What's the annual fee for a Bank of India credit card?

Bank of India credit card annual fees vary by card. It may vary from Nil to ₹11,999 annually.

Q4. What is Bank of India Credit Card Eligibility?

Bank of India credit card eligibility depends on the card you choose and your profile. Visit the official website and check the card's eligibility criteria on the credit card portal.

Q5. What is the minimum balance limit in the Bank of India?

The Applicable Minimum Balance limit in Bank of India savings accounts varies by account type and location. Many savings accounts now have a lower LB with no minimum charges or require an Average Quarterly Balance below ₹10,000.