The BOI SwaDhan RuPay Platinum Credit Card is a premium credit card offered by Bank of India. Here are the key features and benefits of this card:
1. Global Acceptance: The card is accepted at all domestic and international merchants across the globe, providing you with convenience and flexibility in your transactions.
2. Comprehensive Insurance Cover: You can enjoy a comprehensive insurance cover of up to Rs. 2 lakhs provided by NPCI, offering financial protection and peace of mind.
3. Reward Points: Earn 2X reward points on point-of-sale (POS) and e-commerce (ECOM) transactions, excluding blocked categories. Accumulate reward points and redeem them for a variety of rewards and benefits.
4. EMI at POS Facility: The card offers an EMI at POS facility, allowing you to convert your purchases into easy monthly installments. This facility is available on POS transactions managed/owned by M/S WorldLine Private Limited, regardless of the bank.
5. Cash Limit: The card provides a cash limit of up to 50% of the spending limit, giving you access to cash whenever you need it.
6. Maximum Cash Withdrawal: You can withdraw a maximum amount of Rs. 15,000 per day from any ATM location worldwide, providing you with convenient access to cash.
7. Billing Cycle: The billing cycle for the BOI SwaDhan RuPay Platinum Credit Card starts from the 16th of the current month and ends on the 15th of the next month.
8. Payment Due Date: The payment for the card is to be made on or before the 5th of the succeeding month, allowing you ample time to manage your finances.
9. Flexible Credit Limits for Add-On Cards: You can enjoy flexible credit limits for add-on cards, enabling you to share the benefits of the card with your family members.
The BOI SwaDhan RuPay Platinum Credit Card offers a host of benefits and features, making it a valuable financial tool for your everyday needs. With its wide acceptance, comprehensive insurance cover, reward points, and convenient payment options, this card caters to your financial requirements and enhances your overall banking experience.
Features and Benefits of BOI SwaDhan Rupay Platinum Credit Card
- The BOI SwaDhan RuPay Platinum Credit Card is exclusively issued against a Term Deposit Receipt (TDR). This means that the card is secured by a term deposit held with the bank.
- The card is widely accepted at all domestic and international merchants, allowing you to make purchases conveniently and securely wherever you go.
- The EMI at POS facility is available on point-of-sale (POS) terminals managed/owned by M/S WorldLine Private Limited, regardless of the bank. This feature enables you to convert your purchases into easy monthly installments.
- You can earn 2X reward points on POS and e-commerce (ECOM) transactions, excluding blocked categories. These reward points can be accumulated and redeemed for various rewards and benefits.
- The maximum cash limit on the card is set at 50% of the spending limit, providing you with access to cash as per your requirements.
- When it comes to cash withdrawals, you can withdraw a maximum amount of Rs. 15,000 per day from any ATM location worldwide, ensuring that you have access to cash whenever you need it.
- The billing cycle for the BOI SwaDhan RuPay Platinum Credit Card starts from the 16th of the current month and ends on the 15th of the next month. This cycle determines the statement period for your card transactions.
- To manage your payments, the due date for payment is on or before the 5th of the succeeding month, which is designed to suit the requirements of the salaried class and provide sufficient time for payment settlement.
- Additionally, the card offers flexible credit limits for add-on cards, allowing you to extend the benefits of the card to your family members and share the convenience and rewards.
The BOI SwaDhan RuPay Platinum Credit Card combines the security of a term deposit with the convenience and benefits of a credit card, making it a valuable financial tool for your everyday needs.
Eligibility
The BOI SwaDhan RuPay Platinum Credit Card is available to individuals, both staff and non-staff members, as well as private limited companies, partnership firms, and public limited companies.
To be eligible for the card, customers are required to have a consistent and verifiable source of income. This income can be validated through the submission of Income Tax Returns, ensuring the financial stability and credibility of the applicant.
Fees and Charges
- There is no issuance fee for the BOI SwaDhan RuPay Platinum Credit Card.
- There is no annual maintenance fee (principal) for the card.
- There is no annual maintenance fee for add-on cards.
- There is no fee for card replacement.
Steps For Card Activation
To activate your BOI SwaDhan RuPay Platinum Credit Card, you can follow the steps below:
Activation through IVR/Toll-Free:
1. Dial the IVR number: 022 4042 6006 or Toll-Free number: 1800220088.
2. Press 1 for English or press 2 for Hindi.
3. Press 2 for the activation of a new card.
4. Enter the 16-digit full card number followed by the # key.
5. Enter the card expiry date mentioned on the card in MMYY format.
6. Enter the OTP (One-Time Password) sent to your registered mobile number.
7. Your card will be activated after completing these steps.
Activation through Bank’s Website:
1. Visit the Bank of India’s website at https://cclogin.bankofindia.co.in/.
2. Register and login using your Customer ID registered with the card and password.
3. Under the “Requests” tab, click on “Card Activation”.
4. Select the card number you wish to activate.
5. Enter the OTP sent to your registered mobile number.
6. Your card will be activated upon successful completion of these steps.
Frequently Asked Questions (FAQs) about BOI SwaDhan RuPay Platinum Credit Card:
1. What is the eligibility criteria to apply for the BOI SwaDhan RuPay Platinum Credit Card?
– The card is issued against a Term Deposit Receipt (TDR) only. Please consult the bank for specific eligibility requirements.
2. Where can the BOI SwaDhan RuPay Platinum Credit Card be used?
– The card is accepted at all domestic and foreign merchants worldwide, making it convenient for both domestic and international transactions.
3. Is there an EMI facility available for purchases made using the card?
– Yes, the EMI facility at point of sale (POS) is available on POS terminals managed or owned by M/S WorldLine Private Limited, regardless of the bank.
4. Are there any rewards associated with the card?
– Yes, customers can earn 2X reward points on POS and ECOM transactions, excluding blocked categories. These reward points can be redeemed for various benefits.
5. What is the maximum cash limit allowed on the card?
– The maximum cash limit is 50% of the spending limit assigned to the card.
Conclusion:
The BOI SwaDhan RuPay Platinum Credit Card offers a range of benefits, including global acceptance, comprehensive insurance cover, 24/7 concierge services, reward points, and flexible credit limits for add-on cards. With convenient activation options through IVR or the bank’s website, customers can easily start using the card and enjoy its features and privileges.
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