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Bank of India Master Platinum International Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of India Mastercard Entry

Join / Annual

₹0/₹1000

Base Rate

2.0%

Reward Type

Points

Overview

The Bank of India Master Platinum International Credit Card is a Entry credit card issued by Bank of India on the Mastercard network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹1,000
Eligibility: Applicant must be at least 21 years of age with a steady source of income and a good credit history (CIBIL score of 740+ preferred).

Reward Rates & Cashback Rules

  • CATEGORY – All Spends: 2.0% cashback | monthly cap ₹2500.0 ⚠️ Not applicable on Blocked Categories and UPI transactions of ₹2000 or less.
  • CATEGORY – UPI: 0.0% cashback ⚠️ UPI transactions of ₹2000 or less are not eligible for reward points as of Sep 1, 2025.
  • CATEGORY – Cash Withdrawal: 0.0% cashback ⚠️ Cash advances are not eligible for reward points.

Key Features & Benefits

  • Domestic Lounge Access ✈️: 1 complimentary domestic airport lounge visit per quarter.
  • EMI Facility 💳: Convert eligible purchases into EMIs at POS terminals managed by M/S WorldLine Private Limited.

Eligibility Criteria

Applicant must be at least 21 years of age with a steady source of income and a good credit history (CIBIL score of 740+ preferred).

Features & Benefits

✈️

Domestic Lounge Access

1 complimentary domestic airport lounge visit per quarter.

💳

EMI Facility

Convert eligible purchases into EMIs at POS terminals managed by M/S WorldLine Private Limited.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Spends
Reward: 2.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Not applicable on Blocked Categories and UPI transactions of ₹2000 or less.
2%
UPI Exclusion
⚠️ Exceptions: UPI transactions of ₹2000 or less are not eligible for reward points as of Sep 1, 2025.
Cash Withdrawal Exclusion
⚠️ Exceptions: Cash advances are not eligible for reward points.

Value Chart

Assuming basic spends for Bank of India Master Platinum International Credit Card

Category Bank of India Master Platinum International Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹1000 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 0.5% 1.0% 1.0%
★
Known Rules 		3 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + All Spends — 2.0% Points (cap ₹2500.0)
  • + Domestic Lounge Access
  • + EMI Facility
✗

Cons

  • − No reward on UPI — UPI transactions of ₹2000 or less are not eligible for rewar
  • − No reward on Cash Withdrawal — Cash advances are not eligible for reward points.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹1000

Net Value

+₹5000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

You earn 2 reward points for every ₹100 spent. With each point valued at ₹0.25, this translates to an effective reward rate of 0.50%.

Yes, you can accumulate a maximum of 10,000 reward points per month, which is equivalent to a value of ₹2,500.

Yes, cardholders are entitled to one complimentary domestic airport lounge visit per quarter.

The annual fee is ₹1000 plus GST. However, the bank may offer it as a lifetime-free card under certain conditions or promotions.

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