Bank of India Visa Gold International Credit Card

Billing Cycle – The cycle starts from 1^st day of the month and ends on the last day of the current month. The due date of payment is 21^st of the succeeding month.

Acceptance – The credit card is accepted in India, Nepal and at every foreign centre which accepts Mastercard.

Interest Free Period – Get up to 51 days of interest free period.

Cash Withdrawal – Customers can withdraw up to Rs. 15,000 per day. Customers can withdraw up to 50% of the credit limit.

Bank of India Visa Gold Credit Card
Good For: People who want globally accepted credit cards Customers who want a long interest free period People who want cash withdrawal facility	Bad For: Customers who want to earn cashback Customers who want reward points Customers who want travel/dining/movie offers

Category	Amount
Finance Charges	If Min. Amount Due is Paid – 1.70% pm If Min. Amount Due isn’t Paid – 2.50% pm
Cash Advance Charges	At Branch – 2.50% / Min. Rs. 50 At BOI ATMs – 2.00% / Min. Rs. 50 At other ATMs – 2.50% / Min. Rs. 75
Balance Enquiry Charges	At BOI ATMs – Nil At other ATMs – Rs. 20
PIN Replacement Fee	Rs. 50
Usage Over Spending Limit	Rs. 10 per transaction
Replacement Charges	Rs. 200

The eligibility criteria for BOI Visa Gold International credit card are:

• Only Indian citizens can apply for BOI Visa Gold International Credit Card
• The age of applicant must be between 21 and 65 years of age

Additionally, customers will have to submit PAN card / Form-60, Aadhaar card, and any other documents required by the bank. These will be used to establish applicant’s address, identity and income.

To get the Bank of India Visa Gold International Credit Card applicants must visit the nearest Bank of India branch and meet a bank official. The bank official will guide you through the process. On being prompted submit the required documents for scrutiny. On successful verification, the bank will dispatch the credit card.

What is the income requirement for BOI Visa Gold International Credit Card?
The income requirement depends on the applicant. The bank will let the customer know about it at the time of application.

Is there any charge on making balance enquiry?
Balance enquiry charges are applied when the customer does not make the enquiry at any Bank of India ATM.

Is there service charge on Cash Advance?
Yes, the bank will charge you in the following manner:

• Withdrawal made at Branch – 2.50%/Min. Rs. 50
• Withdrawal made at BOI ATM – 2.00%/Min. Rs. 50
• Withdrawal made at other bank ATMs – 2.50%/Min. Rs. 75

Does the card support international usage?
Yes, customers can use this card in Nepal, India, and abroad where Mastercard is accepted.

What is the maximum amount of cash that one can withdraw using BOI Visa Gold International credit card?
Applicants may withdraw up to Rs. 15,000 per day via an ATM. In a billing cycle they can withdraw up to 50% of the credit limit.