M16S / Bank of India / Bank of India Celestia Credit Card
super-premium · rewards, travel
Bank of India Celestia Credit Card
The Bank of India Celestia Credit Card costs Rs 11,999 a year, waived if you spend Rs 8,00,000 in a year. Its base return is 0.5%. Accelerated earn: 5X loyalty points on dining, airline bookings and fuel (aggregator). Lounge visits in India: 2 per quarter. Abroad: 4 per year. Read from an aggregator, not the issuer on 11 Oct 2026.
- Annual fee
- Rs 11,999+ GST
- Fee waived at
- Rs 8,00,000annual spend
- Base return
- 0.5%
- Forex markup
- —
- Interest
- 1.7%a month
Apply on bankofindia.bank.inOpens the bank’s own page.
Fees
| Joining feeunverified | Rs 11,999 |
|---|---|
| Annual feeunverified | Rs 11,999 |
| Annual spend that waives the feeunverified | Rs 8,00,000 |
| Fee notes | Aggregator figures: joining Rs 11,999, annual Rs 11,999, add-on Rs 11,999 (bankbazaar; a cardinsider FAQ says Rs 5,000). Joining fee waived on Rs 2.5 lakh spend within 90 days; annual fee waived on Rs 8 lakh yearly spend. A January 2026 pre-launch article quoted Rs 5,000 fees, so figures have moved. |
Rewards
| Welcome benefitunverified | E-vouchers worth Rs 10,000 (cardinsider; its FAQ says Rs 5,000) |
|---|---|
| Reward currency | Star Rewards points |
| Base earnunverified | 2 points per Rs 100 (standard category), on transactions of Rs 100 and above |
| Base returnunverified | 0.5% |
| Point valueunverified | Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25 |
| Accelerated earnunverified | 5X loyalty points on dining, airline bookings and fuel (aggregator) |
| Caps | 10,000 points per month per customer (CIF), across debit and credit cards; activation and Star Credit bonuses sit outside the cap |
| Spends that earn nothing | UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025. |
| Reward notes | base_return_pct = 2 points per Rs 100 x Rs 0.25 (aggregator point value, unverified). Redemption via BOI Omni Neo app or the Star Rewards site. Expiry not stated. |
Travel and perks
| Domestic loungeunverified | 2 per quarter |
|---|---|
| International loungeunverified | 4 per year |
| Lounge conditions | Aggregator (cardinsider); also lists RuPay Delhi exclusive lounge access. Not confirmed from the bank page. |
| Other freebiesunverified | Per aggregators: 4 domestic golf rounds/lessons a year; ITC hotels 2+1 nights, 1+1 dining and spa; HoteLux membership; BOGO movie tickets monthly; annual health check-up; concierge; insurance: personal accident Rs 50 lakh, air accident Rs 1 crore, purchase protection Rs 2 lakh, baggage loss Rs 20,000. |
Charges and eligibility
| Interest per monthunverified | 1.7% |
|---|---|
| Cash advance fee | Bank hub page: 2.5% (min Rs 50) at branch, 2% (min Rs 50) at BOI ATM. Paisabazaar adds 2.5% min Rs 75 at other ATMs and 2.5% min Rs 125 overseas. |
| Eligibilityunverified | Gross annual income of Rs 15 lakh (aggregator) |
| Fine-print notes | RuPay Ekaa metal card. The bank's own Celestia page exists but returned an error on fetch, so every figure here is from aggregators, which disagree with each other on welcome voucher value and add-on fee. The bank's Key Fact Statement / MITC PDF (KFS__MITC.pdf) could not be opened, so interest, late fee and forex markup are not confirmed from it. The bank's credit card hub page states 1.70% per month on the revolved 90% when 10% of the bill is paid, and 2.5% per month if fully overdue; aggregators quote 2% p.m. revolving and 3% p.m. on default for RuPay Select, and disagree on forex markup (2% vs 3%). Cash limit 50% of spending limit, ATM cash Rs 15,000 a day. Card must be activated within 30 days of issue. Credit limit up to 20% of gross annual income (40% on merits). |
Questions
- What is the annual fee of the Bank of India Celestia Credit Card?
- Rs 11,999 a year, before GST. It is waived if you spend Rs 8,00,000 in a year.
- Does the Bank of India Celestia Credit Card give airport lounge access?
- Yes. In India: 2 per quarter. Outside India: 4 per year. Conditions: Aggregator (cardinsider); also lists RuPay Delhi exclusive lounge access. Not confirmed from the bank page.
- Which spends earn no rewards on the Bank of India Celestia Credit Card?
- UPI transactions on credit card of Rs 2,000 or less earn nothing (from 1 Sep 2025). Earlier POS/e-commerce category exclusions were removed from 1 Sep 2025.