M16S / Bank of India / Bank of India RuPay Bharat Credit Card
entry · rewards
Bank of India RuPay Bharat Credit Card
The Bank of India RuPay Bharat Credit Card costs Rs 400 a year. Read from an aggregator, not the issuer on 11 Oct 2026.
- Annual fee
- Rs 400+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- —
- Interest
- 1.7%a month
Fees
| Joining feeunverified | Free |
|---|---|
| Annual feeunverified | Rs 400 |
| Fee notes | Aggregator (bankbazaar): joining nil, annual Rs 400, add-on Rs 300. |
Rewards
| Reward currency | Star Rewards points |
|---|---|
| Point valueunverified | Not stated on the bank's Star Rewards page; aggregators quote 1 point = Rs 0.25 |
| 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. |
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. |
| Fine-print notes | Named in the card menu of the bank's credit card hub page; its own product page could not be opened. Paisabazaar's FAQ says RuPay Bharat has lounge access, with no detail. Due by the 5th of the following month, up to 51 days interest-free (bankbazaar). 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 RuPay Bharat Credit Card?
- Rs 400 a year, before GST.
- Which spends earn no rewards on the Bank of India RuPay Bharat 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.