Bank Of India Visa Gold Credit Card

Bank Of India Visa Gold Credit Card

Bank Of India Visa Gold Credit Card Features

The features of the Bank Of India Visa Gold Credit Card is as follows:

  • Interest-Free Credit Period: For all the transactions you make using the Bank Of India Visa Gold Credit Card, cardholders will enjoy an interest-free credit period of up to 51 days. 
  • Cash Advance Facility: At more than 4000 bank branches, cardholders can make use of the cash advance facility. 
  • Cash Withdrawal Facility: Cash can be withdrawn from any ATM by cardholders. 
  • EMI Facility: Cardholders can easily convert their transactions to EMI if the value of the transaction is over Rs.5000.
  • Revolving Credit Facility: The cardholder must pay 10% of the balance of the bill on or before the due date to take advantage of this feature. On the 90 per cent remaining balance, the interest rate of 1.70 per cent per month will be paid. If the full amount is due, an interest rate of 2.5 per cent per month will be paid. 
  • Rewards Points: For every transaction, they make using the Bank Of India Visa Gold Credit Card, the cardholders will earn reward points.
  • Broad Acceptance: Bank Of India Visa Gold Credit Card is approved at 2.5 Lakh merchant locations and you can also use this card from over 90,000 ATMs to withdraw cash. 
  • 24/7 Customer Care: Bank Of India provides 24/7 toll-free customer support and advice for stolen or card failure reporting.

Bank Of India Visa Gold Credit Card Eligibility Criteria

The following is the eligibility criteria for Bank Of India Visa Gold Credit Card:

Eligibility Criteria


Minimum Age 18 Years
Maximum Age 60 Years
Minimum Annual Income Rs.1.50 Lakhs
  • The applicant should be of Indian origin.
  • Non-resident Indians and individuals of foreign origin who are currently residing in India for employment can also apply for this card.
CIBIL A decent CIBIL score is required

Bank Of India Visa Gold Credit Card Documentation

The following documents are required for Bank Of India Visa Gold Credit Card:

Identity Proof  Address Proof Income Proof
  • Passport
  • Voter ID
  • Driving license,
  • Aadhaar card
  • PAN card
  • Recent telephone bills
  • Electricity bills
  • Passport
  • Voter ID
  • Recent IT Returns
  • Salary slips
  • last six months bank account statements showing salary credit

Fees and Charges

The Fees and Charges related to Bank Of India Visa Gold Credit Cards are shown in the below table.


Fees and Charges

Annual Fee Rs.600 p.a
Add on Card Fee Rs.350 p.a
Cash Advance Transaction Fee 2% for each transaction
Return of Cheque Fee Minimum Rs. 100
Over Limit Charges Rs.100 for each transaction
Charge Slip Request Rs.100
Late Payment Penalty Rs.100
Duplicate Statement Request Charges Rs.50

Rewards Points programs


Bank Of India Visa Gold Credit Card Limit

  • The flexible credit limit is offered to the Bank Of India Visa Gold Credit Card cardholders.
  • The credit limit is 20% of annual income subject to a minimum of Rs. 30,000 and a maximum of Rs.200,000
  • The cash advance limit is 50% of his total spending limit subject to Rs.15,000 per day.



How to apply for Bank Of India Visa Gold Credit Card

You can easily apply for a Bank Of India Credit Cards through Dialabank. Follow the following steps and get your credit card easily.

  1. First, visit the Dialabank website.
  2. Select Bank Of India Visa Gold Credit Card.
  3. Fill the application form for that card.
  4. Fill in all your basic details correctly.
  5. Check your eligibility and if you are eligible then you can complete the online application.

Other Top Credit Cards by Bank Of India

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  • Bank Of India Gold International Card
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  • Bank of India Navy Gold Credit Card
  • Bank Of India TAJ Premium Credit Card