{"id":85687,"date":"2026-03-17T17:19:47","date_gmt":"2026-03-17T11:49:47","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85687"},"modified":"2026-03-17T17:19:51","modified_gmt":"2026-03-17T11:49:51","slug":"bank-of-india-rupay-platinum-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bank-of-india-rupay-platinum-credit-card\/","title":{"rendered":"Bank of India RuPay Platinum Credit Card for Effortless Daily Spending"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Bank of India RuPay Platinum credit card is a lifetime free credit card with 51 days of interest-free credit on purchases.<\/li>\n\n\n\n<li>Earn 2\u00d7 loyalty reward points on POS and e-commerce spends.<\/li>\n\n\n\n<li>Personal accident and disability insurance covers up to \u20b92 lakh.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Bank of India RuPay Platinum Credit Card offers a convenient payment experience for everyday purchases and travel. The card is accepted at domestic and international merchant outlets, which makes global transactions simple.<\/p>\n\n\n\n<p>Cardholders can also enjoy up to 51 days of interest-free credit along with exclusive merchant discounts available through the RuPay network. To explore complementary and discounted benefits, users can complete a one-time registration on the RuPay Platinum portal. The joining and annual fees are both nil.<\/p>\n\n\n\n<p>Keep reading to know more!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#boi-ru-pay-platinum-credit-card-benefits\">BOI RuPay Platinum Credit Card Benefits<\/a><\/li><li><a href=\"#bank-of-india-ru-pay-platinum-credit-card-charges\">Bank of India RuPay Platinum Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"boi-ru-pay-platinum-credit-card-benefits\"><strong>BOI RuPay Platinum Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOI-Rupay-Platinum-Benefits-1024x682.jpg\" alt=\"Bank of India RuPay Platinum Credit Card Benefits\" class=\"wp-image-85689\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOI-Rupay-Platinum-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOI-Rupay-Platinum-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOI-Rupay-Platinum-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOI-Rupay-Platinum-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOI-Rupay-Platinum-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The card rewards everyday spending with 2\u00d7 loyalty reward points on POS and e-commerce transactions.<\/p>\n\n\n\n<p>Along with reward earnings, it also includes the following benefits:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Insurance Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card provides personal accident and permanent disability insurance cover up to \u20b92 lakh under the RuPay program.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>24\/7 Concierge Services<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders can access round-the-clock concierge support for travel assistance, hotel reservations, and other lifestyle or consultancy services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-india-ru-pay-platinum-credit-card-charges\"><strong>Bank of India RuPay Platinum Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>You can request up to 2 add-on cards, each with an annual charge of \u20b9200, while a few <a href=\"https:\/\/bankofindia.bank.in\/documents\/20121\/23409404\/BOI_CREDITCARD_MITC.pdf\/691b4304-40e9-fe2f-c6f3-905bfdf05b4a?t=1702028838431\" target=\"_blank\" rel=\"noopener\">other charges<\/a> are listed below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Card Replacement Charges(Primary and Add-On)<\/td><td>\u20b9300<\/td><\/tr><tr><td>Cash Advance Charges<\/td><td>BOI ATM: 2% or min. \u20b950Other ATM: 2.5% or min. \u20b975Overseas ATM: 2.5% or min. 125<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2% or min. \u20b9250<\/td><\/tr><tr><td>Foreign Currency Markup<\/td><td>3%<\/td><\/tr><tr><td>Finance Charges<\/td><td>2% monthly or 24% yearly on outstanding balances3% monthly or 36% yearly for payment default<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Missing payment due dates can increase finance charges and affect your monthly budget. Use the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> to track credit card bills, set reminders, and pay securely from one platform in just a few simple steps.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Cash withdrawal is allowed up to 50% of the total credit limit, with a maximum ATM withdrawal of \u20b915,000 per day.<\/li>\n\n\n\n<li>Credit card payments must be made on or before the 5th of the following month as per the billing cycle.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773747907716\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the Bank of India RuPay Platinum Credit Card eligibility?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Applicants must be at least 21 years old and have a regular source of income with valid proof. Both salaried and self-employed individuals can apply. The bank also expects a good credit history, and the applicant can be an Indian resident or an NRI.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773747920381\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to contact Bank of India Credit Card customer care?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cardholders in India can contact customer care through 1800 103 1906 or 1800 220 229. The 24\/7 chargeable number is (022) 40919191, and support is also available through WhatsApp at +91 7997987601.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773747932980\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to apply for the BOI RuPay Platinum Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For the Bank of India RuPay Platinum Credit Card, apply online through the credit card webpage by selecting the &#8216;Apply Now&#8217; option. You may also apply offline at a bank branch by submitting the filled-in application form with income proof and verified KYC documents.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Bank of India RuPay Platinum Credit Card offers a convenient payment experience for everyday purchases and travel. The card is accepted at domestic and international merchant outlets, which makes global transactions simple. Cardholders can also enjoy up to 51 days of interest-free credit along with exclusive merchant discounts available through the RuPay [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85687","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85687","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85687"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85687\/revisions"}],"predecessor-version":[{"id":85690,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85687\/revisions\/85690"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85688"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85687"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85687"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}