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Bank of India RuPay Select Credit Card

Bank of India RuPay Select Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of India RuPay Premium

Join / Annual

₹0/₹800

Base Rate

2.0%

Reward Type

Points

Overview

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

Annual Fee: ₹800
Eligibility: Min. 21 years, regular source of income, and a good credit history.

Reward Rates & Cashback Rules

  • CATEGORY – Retail Spends: 2.0% cashback ⚠️ Excludes fuel, wallet loads, rent, and EMI transactions.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Airport Lounge Access ✈️: 8 complimentary domestic lounge visits per year (capped at 2 per quarter) and 2 complimentary international lounge visits per year.
  • Movie Ticket Offer 🎬: Get a discount of ₹250 on a minimum of 2 movie tickets once per month on BookMyShow.
  • BigBasket Discount 🛒: Receive a ₹200 discount voucher for BigBasket every month.
  • Complimentary Memberships ⭐: Includes annual Amazon Prime membership and a 3-month Swiggy One membership per year.
  • Health & Wellness 🏥: Complimentary annual customized health check-up package.
  • Insurance Cover 🛡️: Personal accident and permanent disability insurance cover up to ₹10 Lakhs.
  • Concierge Service 🛎️: Access to 24/7 concierge services for travel, dining, and other assistance.

Eligibility Criteria

Min. 21 years, regular source of income, and a good credit history.

Features & Benefits

✈️

Airport Lounge Access

8 complimentary domestic lounge visits per year (capped at 2 per quarter) and 2 complimentary international lounge visits per year.

🎬

Movie Ticket Offer

Get a discount of ₹250 on a minimum of 2 movie tickets once per month on BookMyShow.

🛒

BigBasket Discount

Receive a ₹200 discount voucher for BigBasket every month.

⭐

Complimentary Memberships

Includes annual Amazon Prime membership and a 3-month Swiggy One membership per year.

🏥

Health & Wellness

Complimentary annual customized health check-up package.

🛡️

Insurance Cover

Personal accident and permanent disability insurance cover up to ₹10 Lakhs.

🛎️

Concierge Service

Access to 24/7 concierge services for travel, dining, and other assistance.

Cashback Engine Rules

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

Retail Spends
Reward: 2.0%
⚠️ Exceptions: Excludes fuel, wallet loads, rent, and EMI transactions.
2%
Fuel Exclusion
Wallet Load Exclusion
Rent Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for Bank of India RuPay Select Credit Card

Category Bank of India RuPay Select Credit Card Axis Bank Atlas Credit Card Miles & More World Select Credit Card BOBCARD Eterna Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹800 ₹5000 ₹4500 ₹2499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 2.0% 3.0% 3.0%
★
Known Rules 		5 rules 11 rules 9 rules 10 rules

Pros & Cons

✓

Pros

  • + Retail Spends — 2.0% Points
  • + Airport Lounge Access
  • + Movie Ticket Offer
  • + BigBasket Discount
  • + Complimentary Memberships
✗

Cons

  • − No reward on Fuel
  • − No reward on Wallet Load
  • − No reward on Rent
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹6000

Annual Fee

₹800

Net Value

+₹5200

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

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 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

The annual fee is ₹800 plus applicable taxes. The card has no joining fee.

You earn 2 reward points for every ₹100 spent on most retail and online transactions. Fuel, wallet loads, rent payments, and EMI transactions are typically excluded from earning points.

The card offers 8 free domestic lounge visits (2 per quarter) and 2 free international lounge visits annually. Note that access may be subject to spend-based criteria.

Yes, cardholders get a ₹250 discount on BookMyShow once a month and a ₹200 discount voucher for BigBasket monthly.

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