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Bank of India Visa Gold International Credit Card

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

Join / Annual

₹0/₹300

Base Rate

2.0%

Reward Type

Points

Overview

The Bank of India Visa Gold International Credit Card is a Entry credit card issued by Bank of India on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.5).

Annual Fee: ₹300
Eligibility: Gross annual income of ₹1.50 lakhs or more.

Reward Rates & Cashback Rules

  • CATEGORY – All Spends: 2.0% cashback | monthly cap ₹5000.0 ⚠️ Represents 2 points per ₹100 on general POS & E-commerce spends. Monthly cap is 10,000 points, shared across all spends. UPI transactions ≤ ₹2,000 are excluded.
  • CATEGORY – User-Selected Preferred Category: 3.0% cashback | monthly cap ₹5000.0 ⚠️ Represents 3 points per ₹100. Monthly cap of 10,000 points is shared across all spends.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback

Key Features & Benefits

  • Insurance Concession 🏥: Cardholders can avail a concession on the premium of a Medi-Claim insurance policy for up to ₹5 lakhs, in partnership with National Insurance Co. Ltd.
  • EMI Facility 💳: Convert purchases over ₹5,000 into easy monthly installments (EMIs).
  • Balance Transfer 🔄: Facility to transfer outstanding balances from other bank credit cards is available.

Eligibility Criteria

Gross annual income of ₹1.50 lakhs or more.

Features & Benefits

🏥

Insurance Concession

Cardholders can avail a concession on the premium of a Medi-Claim insurance policy for up to ₹5 lakhs, in partnership with National Insurance Co. Ltd.

💳

EMI Facility

Convert purchases over ₹5,000 into easy monthly installments (EMIs).

🔄

Balance Transfer

Facility to transfer outstanding balances from other bank credit cards is available.

Cashback Engine Rules

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

All Spends
Reward: 2.0% Monthly Cap: ₹5000.0 Min Spend: ₹100.0
⚠️ Exceptions: Represents 2 points per ₹100 on general POS & E-commerce spends. Monthly cap is 10,000 points, shared across all spends. UPI transactions ≤ ₹2,000 are excluded.
2%
User-Selected Preferred Category
Reward: 3.0% Monthly Cap: ₹5000.0 Min Spend: ₹100.0
⚠️ Exceptions: Represents 3 points per ₹100. Monthly cap of 10,000 points is shared across all spends.
3%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion

Value Chart

Assuming basic spends for Bank of India Visa Gold International Credit Card

Category Bank of India Visa Gold 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 		₹300 ₹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 		5 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + All Spends — 2.0% Points (cap ₹5000.0)
  • + User-Selected Preferred Category — 3.0% Points (cap ₹5000.0)
  • + Insurance Concession
  • + EMI Facility
  • + Balance Transfer
✗

Cons

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

Our Verdict

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

Est. Annual Rewards

₹6000

Annual Fee

₹300

Net Value

+₹5700

✅ 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

The card has a joining fee of zero and an annual fee of ₹300. There are no fee waiver conditions mentioned.

You earn 2 points per ₹100 on most transactions and 3 points per ₹100 on a chosen preferred category. When converted to cash credit, 1 reward point is worth ₹0.50.

Yes, there is a monthly cap of 10,000 reward points per customer, which is equivalent to ₹5,000 in value.

No, the Bank of India Visa Gold International Credit Card does not offer complimentary airport lounge access.

A foreign currency markup fee of 2% is charged on all international transactions.

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