Bank of India SwaDhan Rupay Platinum Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 on regular spending. Effective cashback rate: 0.50%.
3 StarPoints on every Rs. 100 spent at any merchants. Effective cashback rate: 0.75%.
Movie Benefits
Dining Benefits
Other Benefits
Globally accepted card.; Flexible credit limits for add-on cards.
Lounge Access
Fees & Charges
Joining Fee
INR 0.
Annual Fee
INR 500
Cash Advance Fee
Cash advance fee: 2.5% of the amount withdrawn, or Rs. 50, whichever is higher
Interest rate
1.20% p.m. (15.40% p.a.) on daily balances
In case of default service charges is 1.70% p.m. (22.45 % p.a
Late Payment Fee
Late payment fee: 3% of the outstanding amount, or Rs. 500, whichever is higher
Foreign Currency Transactions Fee
3.50%
Other Fees
Foreign transaction fee: 3.5% of the transaction amount | Reward redemption fee:NIL
दोष
The card is issued against TDR (Term Deposit Receipt) only.
No complimentary domestic /international airport lounge visit facility is available.
Few add-on features.
No welcome benefit.
Reward System: The value of 1 reward point = INR 0.25. Users will get 2 StarPoints for every Rs. 100 on regular spending. Effective cashback rate: 0.50%. 3 StarPoints on every Rs. 100 spent at any merchants. Effective cashback rate: 0.75%. Users must select exactly one Preferred category at the time of registration.
Globally accepted card.
Customers will get 2X reward points in POS and ECOM transactions.
Flexible credit limits for add-on cards.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Minimum age of the card holders should be 18.
Individual, Staff/non-staff, private limited company, partnership firms, public limited company.
Customer should be having steady source of income verifiable through Income Tax Returns.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Visit your nearest Bank of India branch.
Fill out the application form and submit it along with the required documents.
The required documents are: Identity proof: A copy of your PAN card, Aadhaar card, or passport. Address proof: A copy of your voter ID card, driving license, or utility bill. Proof of income: A copy of your latest salary slip or income tax return.
The Bank of India will review your application and will contact you if your application is approved.
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: The value of 1 reward point = INR 0.25. Users will get 2 StarPoints for every Rs. 100 on regular spending. Effective cashback rate: 0.50%. 3 StarPoints on every Rs. 100 spent at any merchants. Effective cashback rate: 0.75%. Users must select exactly one Preferred category at the time of registration.
Globally accepted card.
Customers will get 2X reward points in POS and ECOM transactions.
Flexible credit limits for add-on cards.
The card is issued against TDR (Term Deposit Receipt) only.
No complimentary domestic /international airport lounge visit facility is available.
Few add-on features.
No welcome benefit.
Bank of India SwaDhan Rupay Platinum credit card is a secured credit card. The card is issued against a fixed deposit that is used as security. Customers will be able to earn interest on the deposit while using their credit card. However, it's important to note that this card is not issued to individuals without an existing fixed deposit and the limited acceptance and lower reward rate may not be ideal for frequent travelers or high spenders.
Bank of India SwaDhan Rupay Platinum credit card is a secured credit card. The card is issued against a fixed deposit that is used as security. Customers will be able to earn interest on the deposit while using their credit card. However, it's important to note that this card is not issued to individuals without an existing fixed deposit and the limited acceptance and lower reward rate may not be ideal for frequent travelers or high spenders.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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