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Visa Platinum International Credit Card

Visa Platinum International Credit Card

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

Join / Annual

₹0/₹500

Base Rate

2.0%

Reward Type

Points

Overview

The Visa Platinum 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 = ₹0.25).

Annual Fee: ₹500
Eligibility: Minimum 21 years of age with a steady income and good CIBIL score.

Reward Rates & Cashback Rules

  • CATEGORY – Preferred Category: 3.0% cashback | monthly cap ₹2500.0 ⚠️ The preferred category can be selected at the time of registration. Monthly cap of 10,000 points is shared across all spends.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Cash Advance: 0.0% cashback
  • CATEGORY – UPI: 0.0% cashback ⚠️ No reward points on UPI on Credit Card transactions of ₹2000 or less.

Key Features & Benefits

  • Welcome Milestone Bonus ⭐: Earn a Star Credit Bonus of 1,000 points on spending over ₹50,000 within the first 3 months of card issuance.
  • Dining Discounts 🍽️: Up to 20% off on total bills at select restaurants through the Visa network.
  • Visa Concierge Services 🛎️: Access to 24/7 Visa Concierge services for travel, dining, and entertainment assistance.

Eligibility Criteria

Minimum 21 years of age with a steady income and good CIBIL score.

Features & Benefits

⭐

Welcome Milestone Bonus

Earn a Star Credit Bonus of 1,000 points on spending over ₹50,000 within the first 3 months of card issuance.

🍽️

Dining Discounts

Up to 20% off on total bills at select restaurants through the Visa network.

🛎️

Visa Concierge Services

Access to 24/7 Visa Concierge services for travel, dining, and entertainment assistance.

Cashback Engine Rules

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

Preferred Category
Reward: 3.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: The preferred category can be selected at the time of registration. Monthly cap of 10,000 points is shared across all spends.
3%
Fuel Exclusion
Cash Advance Exclusion
UPI Exclusion
⚠️ Exceptions: No reward points on UPI on Credit Card transactions of ₹2000 or less.

Value Chart

Assuming basic spends for Visa Platinum International Credit Card

Category Visa 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 		₹500 ₹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 		4 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Preferred Category — 3.0% Points (cap ₹2500.0)
  • + Welcome Milestone Bonus
  • + Dining Discounts
  • + Visa Concierge Services
✗

Cons

  • − No reward on Fuel
  • − No reward on Cash Advance
  • − No reward on UPI — No reward points on UPI on Credit Card transactions of ₹2000
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹6000

Annual Fee

₹500

Net Value

+₹5500

✅ 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

One reward point is worth ₹0.25 when redeemed against merchandise and services in the BOI Star Rewardz catalogue. The value may differ for other redemption options like fee payment or statement credit.

Yes, the card has an annual fee of ₹500. However, there is no joining fee.

No, the Bank of India Visa Platinum International Credit Card does not provide any complimentary airport lounge access benefits.

You can earn a maximum of 10,000 reward points per customer ID in a single calendar month across all transactions.

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