Introducing the BOI Visa Gold International Credit Card:
The BOI Visa Gold International Credit Card is a prestigious credit card offered by Bank of India (BOI) that provides you with a wide range of benefits and privileges both locally and internationally. This card is designed to cater to your lifestyle needs and offers convenience, security, and global acceptance.
Key Features:
1. Global Acceptance: The BOI Visa Gold International Credit Card is accepted at millions of merchant establishments worldwide, including retail stores, hotels, restaurants, and online platforms. You can use this card wherever Visa is accepted, making it a convenient payment option during your travels or international purchases.
2. Credit Limit: The credit limit on the BOI Visa Gold International Credit Card is determined based on your income, credit history, and other factors assessed by the bank. The credit limit allows you to make purchases and transactions up to a certain amount within the set limit.
3. EMV Chip Technology: This credit card is embedded with an EMV chip, which provides enhanced security and protection against fraudulent transactions. The chip generates a unique code for every transaction, making it difficult for unauthorized users to replicate or misuse your card information.
4. Interest-Free Period: Enjoy an interest-free period of up to 50 days from the date of your purchase. If you pay the outstanding balance in full before the due date, you won’t incur any interest charges.
5. Revolving Credit Facility: With the BOI Visa Gold International Credit Card, you have the flexibility to pay your outstanding balance in convenient monthly installments. You can choose to pay the minimum amount due or a higher amount based on your preference and financial capability.
6. Additional Cards: You can request for additional cards for your family members, such as your spouse or children, which are linked to your primary credit card account. This allows your loved ones to enjoy the benefits and convenience of using the BOI Visa Gold International Credit Card.
7. Secure Online Transactions: The BOI Visa Gold International Credit Card provides a secure platform for online transactions. With features like Verified by Visa, you can add an extra layer of security by setting a password or entering a One-Time Password (OTP) for online purchases.
8. Customer Support: BOI offers dedicated customer support services to assist you with any queries or concerns related to your credit card. You can reach out to the bank’s customer helpline for assistance or visit the nearest branch for in-person support.
Please note that specific terms, conditions, fees, and benefits may apply to the BOI Visa Gold International Credit Card. It is advisable to carefully review the terms and conditions provided by Bank of India and consider your financial needs before applying for the card.
Features and Benefits of BOI Visa Gold International Credit Card
The BOI Visa Gold International Credit Card offers the following features:
1. Global Acceptance: The card is accepted at both domestic and foreign merchants worldwide, allowing you to make purchases and transactions wherever Visa is accepted.
2. EMI at POS Facility: You can avail the EMI (Equated Monthly Installment) option at point-of-sale (POS) terminals managed/owned by M/S WorldLine Private Limited, regardless of the bank. This facility allows you to convert your eligible purchases into convenient monthly installments.
3. Reward Points: Earn double reward points on both POS and ECOM transactions, excluding blocked categories. Accumulated reward points can be redeemed for various benefits and rewards.
4. Cash Limit: The maximum cash limit available on the card is 50% of the spending limit. This enables you to withdraw cash as per your requirement, up to the prescribed limit.
5. ATM Cash Withdrawal: You can withdraw a maximum amount of Rs. 15,000 per day from any ATM location worldwide using your BOI Visa Gold International Credit Card.
6. Billing Cycle: The billing cycle for this credit card is from the 16th of the current month to the 15th of the next month. All transactions made within this period will be included in the monthly statement.
7. Payment Due Date: The payment for the credit card is to be made on or before the 5th of the succeeding month. This payment due date is designed to suit the requirements of salaried individuals.
8. Flexible Credit Limits for Add-On Cards: The BOI Visa Gold International Credit Card offers flexible credit limits for add-on cards. This means that you can set separate spending limits for the additional cards linked to your primary credit card account.
Please note that specific terms and conditions may apply to the above features and it is recommended to refer to the official documentation provided by Bank of India for complete details on the BOI Visa Gold International Credit Card.
Eligibility
The BOI Visa Gold International Credit Card is available for:
1. Individuals: This credit card is open to individuals who meet the eligibility criteria set by Bank of India.
2. Staff/Non-Staff: Both staff and non-staff members can apply for the BOI Visa Gold International Credit Card, subject to meeting the required qualifications.
3. Private Limited Companies: Private limited companies are eligible to apply for this credit card, provided they fulfill the necessary criteria.
4. Partnership Firms: Partnership firms can also apply for the BOI Visa Gold International Credit Card, subject to meeting the required qualifications.
5. Public Limited Companies: Public limited companies are eligible to apply for this credit card, provided they meet the necessary criteria.
Applicants for the BOI Visa Gold International Credit Card should have a steady source of income that can be verified through their Income Tax Returns. This ensures that the applicant has a reliable income stream to meet the financial obligations associated with the credit card.
Please note that specific documentation and criteria may apply for each category, and it is recommended to refer to the official guidelines provided by Bank of India for complete details on eligibility requirements.
Fees and Charges
- The issuance fee for the BOI Visa Gold International Credit Card is Rs. 500.
- The Annual Maintenance Charge (AMC) for the principal card is Rs. 500.
- The Annual Maintenance Charge (AMC) for the add-on card is Rs. 300.
- The fee for card replacement is Rs. 300.
Please note that these fees are subject to change and it is advisable to refer to the official information provided by Bank of India for the most accurate and up-to-date fee structure.
Steps for Card Activation
1.To activate your card through IVR/Toll Free, follow these steps:
- Dial the IVR number: 022 4042 6006 or the Toll Free number: 1800220088.
- Press 1 for English or press 2 for Hindi.
- Press 2 for the activation of a new card.
- Enter the 16-digit full card number followed by the “#” key.
- Enter the card expiry date mentioned on the card in MMYY format.
- Enter the OTP (One-Time Password) sent to your registered mobile number.
- Your card will be activated after successfully completing the above steps.
2.To activate your card through the Bank’s website, follow these steps:
- Visit the website: https://cclogin.bankofindia.co.in/
- Register and log in with your Customer ID registered in the card and password.
- Under the “Requests” tab, click on “Card Activation”.
- Select the Card Number.
- Enter the OTP sent to your registered mobile number.
- Your card will be activated after successfully completing the above steps.
Please note that the activation process may vary, and it is recommended to refer to the official instructions provided by Bank of India for the accurate and up-to-date activation process.
Frequently Asked Questions (FAQs):
1. Can I activate my card through any other method apart from IVR and the Bank’s website?
The activation of the card can be done through IVR or the Bank’s website as mentioned in the provided steps. It is advisable to follow the specified methods for activation.
2. What should I do if I do not receive the OTP for card activation?
If you do not receive the OTP for card activation, please ensure that your registered mobile number is active and has network coverage. You can also contact the bank’s customer support for further assistance.
3. Are there any additional charges for card activation?
No, there are no specific charges for card activation. However, please refer to the terms and conditions of your card agreement for any applicable fees or charges.
4. Can I activate multiple cards using the same process?
Yes, you can activate multiple cards using the same process. Make sure to provide the accurate card details and follow the activation steps for each card individually.
Conclusion:
Activating your card is an important step to start using its benefits and features. By following the provided steps through IVR or the Bank’s website, you can easily activate your card and begin using it for your financial transactions. If you have any further questions or concerns, it is recommended to reach out to the Bank of India’s customer support for clarification and assistance.
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