CREDIT CARDS

1.India Card

 Classic card
 For Domestic usage.
 Billing cycle is from 16th of current month to 15th of next month.
 And payment is to be made on or before 5th of succeeding month which mostly
suits the requirement of salaried class.
 Eligibility : Gross annual income of Rs.0.75 lacs& above
 Secure usage at over 2,50,000 merchants establishments and round the clock
cash advance at over 9000 ATMs.
 Interest free credit for up to 51 days and revolving credit at preferential rate.
 Flexible credit limits for add-on cards.
 Reward programme on card usage.

2.MasterCard Platinum International

 It is Chip card with Photo.

 Card valid in India, Nepal and at all foreign centers across the GLOBE, wherever
MASTER logo is displayed.
 Charges applicable to Public and Staff.
 Since it is a chip card it is more safe for POS transactions; it would require PIN for
POS transaction.
 The card will work at ATM on magnetic stripe only in India.
 Maximum amount of cash that can be withdrawn from – ATM – Rs. 50,000 per
day
 Maximum amount of withdrawal on ATM is 50% of the spending limit
  Billing cycle is from 1st day of current month to last day of the current month.
 And payment is to be made on or before 21st of next month which mostly suits
the requirement of salaried class whose date of payment is around 15th of
month.
 One complimentary lounge visit per quarter at airport lounges in India.
 For lounge list, please
visit https://www1.mastercard.com/content/mc/campaign-
exchange/moments/india/en/local-campaigns/exclusive-airport-lounge-
access.html

3.Visa Platinum International

 It is Chip card with magnetic strip.

 Card valid in India, Nepal and at all foreign centers across the GLOBE, wherever
VISA logo is displayed.
 Charges applicable to Public and Staff.
 Since it is a chip card it is more safe for POS transactions; it would require PIN for
Pos transaction.
 The card will work at ATM on magnetic stripe only in India.
 Maximum amount of cash that can be withdrawn from – ATM – Rs. 50,000 per
day
 Maximum amount of withdrawal on ATM is 50% of the spending limit
 Billing cycle is from 1st day of current month to last day of the current t month.
 And payment is to be made on or before 21st of next month which mostly suits
the requirement of salaried class whose date of payment is around 15th of
month.
4.Visa Gold International

 It is Chip card with magnetic strip.

  Card valid in India, Nepal and at all foreign centers across the GLOBE, wherever
VISA logo is displayed.
 Charges applicable to Public and Staff.
 Since it is a chip card it is more safe for POS transactions;it would require PIN for
Pos transaction .
 Maximum amount of cash that can be withdrawn from – ATM – Rs. 15,000 per
day
 Maximum amount of withdrawal on ATM is 50% of the spending limit
 Billing cycle is from 1st day of current month to last day of the current t month.
 And payment is to be made on or before 21st of next month which mostly suits
the requirement of salaried class whose date of payment is around 15th of
month.

DEBIT CARDS

1. MasterCard Titanium

 For Domestic and International usage. *(International ecom transactions not

allowed).
 Maximum limit of cash withdrawal is Rs.15,000 per day in ATM
 POS Usage daily Limit is Rs.25000.
 The card can be issued to all SB, current and OD account holders.

2.MasterCard Platinum

 For Domestic and international Usage. *(International ecom transactions not

allowed).
 ATM Daily Transaction Limit of Rs. 50000 domestically and equivalent of Rs 50000
abroad.
  POS Daily Transaction Limit of Rs. 100000 Domestically and equivalent of Rs
100000 abroad.
 Cash Withdrawal Charges Abroad – Rs.125 Plus 2% Currency Conversion Charges.
 Balance Enquiry Abroad- Rs.25.
 Merchant Transaction Abroad at POS: 2% Currency Conversion charges.
 One complimentary lounge visit per quarter at airport lounges in India.

3.Mastercard Business Debit Card:

 Exclusive card for current account holders.

 For Domestic and international Usage. *(International ecom transactions not
allowed).
 ATM Daily Transaction Limit of Rs.1,00,000 domestically and equivalent of
Rs.1,00,000 abroad.
 POS and ecommerce Daily Transaction Limit of Rs. 2,50,000 Domestically and
equivalent of Rs. 2,50,000 abroad.
 Cash Withdrawal Charges Abroad – Rs.125 Plus 2% Currency Conversion Charges.
 Balance Enquiry Abroad- Rs.25

4.Mastercard Bingo

 Exclusively for students

 Option of TOD facility up to Rs.2,500
 The Master BINGO Card can be issued to youth between the ages of 15 years to
25years (Age at the time of issuance of card) for initial period of 5 years and
thereafter the same will be renewed if the age of the card holder is still below 25
years.
5.Visa Classic Debit Card

 For Domestic and International Usage * (International ecom transactions not

allowed).
 Maximum limit of cash withdrawal is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS
 The card can be issued to all SB, current and OD account holders.

6.Visa platinum "fast forward" contactless international

debit card

 An International card*** , accepted globally at all kinds of merchants having NFC

terminals, including retail stores, fast-food restaurants, pharmacies, transit points
of entry, and grocery and convenience stores, taxicabs and vending machines.
(International ecom transactions not allowed)
 Platinum Card – No change in the eligibility of Platinum cards
 No PIN is required up to Rs.2000/- per contactless transaction.
 PIN is mandatory for all the transactions above the value of Rs.2000/- per
transaction
 Maximum transaction limit is up to Rs. 2000/- for the contactless mode.
 Number of contactless transactions allowed per day – Three Transactions
 Daily Limits –POS usage – Rs.1 Lac; From ATM – Rs.50,000/-

In addition, the contactless debit card can be used for other purposes like any other
Debit Card for
 ATM cash withdrawal,
 Shopping at merchant outlets
 Secure and safe online shopping
Usage Process
 Customer has to look at the contactless symbol/logo at the point of sale.
 The cashier enters the purchase amount into the NFC terminal. This amount is
displayed on the NFC terminal reader.
 When the first green link blinks, customer should hold the card over the reader at
close range (less than 4 cm from where logo appears).
 Four green lights appear when the transaction is complete. This takes no longer
than half a second. The customer can choose to have a receipt printed, but this is
optional.
 The default account linked to the beneficiary card shall be debited for the funds.
 PIN authentication will be by-passed for low value transactions up to Rs. 2000/-.
 Beyond this transaction limit, the card will be processed as a contact payment
and authentication with PIN will be mandatory
 Transaction are permitted on non- NFC terminals with PIN authentication.
Charges
Particulars Charges

Issuance Charges Rs. 200/- *** (Introductory Offer)

Annual Maintenance Charges Rs. 150/-

Card Replacement Charges Rs. 150/-

7.VISA Business Debit cards

 Exclusive card for current account holders.

 For Domestic and international Usage. * (International ecom transactions not
allowed).
 ATM Daily Transaction Limit of Rs.1,00,000 domestically and equivalent of
Rs.1,00,000 abroad
 POS and ecommerce Daily Transaction Limit of Rs. 2,50,000 Domestically and
equivalent of Rs. 2,50,000 abroad.
 Cash Withdrawal Charges Abroad – Rs.125 Plus 2% Currency Conversion Charges.
 Balance Enquiry Abroad- Rs.25
8.Rupay National Common Mobility Card (NCMC)-
Classic Card

 The Rupay National Common Mobility Card is a Contactless Card. It also has the
feature of offline wallet. Therefore it is called as Debit and Prepaid Card. A single
card that can be used for making all kinds of payments at transport, parking
grocery, toll and transit.
 Can be used as in Domestic ATMs/POS/E.com.
 Supports offline transaction, multi utility card of its kind.
 No PIN is required up to Rs.2000/- per contactless transaction.
 PIN is mandatory for all the transactions above the value of Rs.2000/- per
transaction
 Maximum transaction limit is up to Rs. 2000/- for the contactless mode.
 Number of contactless transactions allowed per day – Three Transactions
 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS

9.Rupay Classic Debit Card(Valid in India)

 It can be issued to any account

 It can be used in ATM, POS and for online payments (e-commerce)
 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS
10.Rupay Platinum Debit Card

 Chip Based Card for both Domestic and international Usage.

 ATM Daily Transaction Limit of Rs. 50000 domestically and equivalent of Rs 50000
abroad.
 POS Daily Transaction Limit of Rs. 100000 Domestically and equivalent of Rs
100000 abroad.
 Free Lounge Access (2 per quarter) in selective Domestic Airport.
 Rupay EMV Platinum Card can be issued to all Staff/EX-Staff members with NIL
issuance charges and NIL Renewal Charges
 No requirement for maintaining AQB balance for issuance of Rupay Platinum
Debit Card.

11.Sangini Debit Card

 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM

 Maximum amount that can be withdrawn per day is Rs.25,000 in POS
 Sangini Debit Card is Bank of India’s first Debit Card exclusively designed for
Women.
 It is a Personalized Magstripe Debit Card, issued under RuPay platform.
 This card is valid for 5 years.
 You can use this Card at any domestic acquiring systems like ATM or POS
machines accepting RuPay Cards.
 You can use Sangini Debit Card for e-commerce transactions on the Internet for
on-line shopping, buying travel or movie tickets, paying your bills and much more
  Target Group- Women in the age group of 18 years and above
 Eligibility -All Women account holders. They can be either Single or Joint account
holders. If you are a “Mahila Savings Bank Account” customer, you can also apply
for this Card and enjoy its benefits.
Daily Withdrawal & Transaction Limit
At BOI ATMs Other Bank’s ATM At POS Machines

Sangini Debit Card Rs. 15,000/- Rs. 10,000/- Rs. 25,000/-

Charges:
For the First year it is FREE. From the second year onwards 50% of the prevailing rates .
Year Other Debit Card Sangini Debit Card Sangini Debit Card in
Charges Charge BOI Star MAHILA SB
ACCOUNT Charge

1st FREE FREE FREE

Year
After Rs. 120/- (for Rs. 60/- (for FREE
1st Branches in Metro Branches in Metro
Year and Urban Areas) and Urban Areas)
After Rs. 60/- (for Rs. 30/- (for FREE
1st Branches in Semi- Branches in Semi-
Year Urban and Rural Urban and Rural
Areas) Areas)

Special Concessions:
 50% concession in the annual fees (as table above)
 Bank of India offers 50% MORE Star Points (Loyalty Reward Points) to Sangini
Debit Card Holders. You get 1.5 Points in place of 1 Point for every. Rs.100 spent,
for every card usage at POS/e-commerce transactions. These points can be
redeemed against very lucrative range of services/goods.

Other Debit Card Points Sangini Debit Card Points

Points 1 1.5

*calculated at the end of the month

Each point earned by the customer will be valued at Rs.0.25. These points so earned can
be redeemed at any point of time up to next 36 months from the month of purchase.
The redemption of these reward points can be done after threshold limit of 100 points
in exchange of various Gift items including over 2 million merchandise and Movie
Tickets/Bus Tickets/Air Tickets/ Gift Vouchers etc.
12.Dhan Aadhaar Card

 Debit card issued on RuPay platform with the UID number given by Government
of India
 Biometric Authentication through UIDAI for micro ATM and pin based
authentication on ATMs.
 It is having the Card Holders Photo
 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS

13.RuPay Kisan Card

 It can be issued to account of farmers

 It can be used only in ATM. Will be enabled at POS, as and when enabled by NPCI
 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS
14.Rupay Mudra card

 For all eligible beneficiaries of MUDRA Loans under PMMY.

 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS
 Personalized Card in the name of the Firm.
 Will cover Cash Credit or Current Deposit account.
 Presently Magstripe Card will be issued.
 Insurance Coverage Rs. 1 Lac as applicable to RuPay Card
 Transaction Charges are applicable from 1st transaction onwards.
15.Rupay Punjab Arthia Card

 Rupay Punjab Arthia card is only applicable for Punjab food procurement project
whereby cards are issued to Arthias(Commission Agents)with unique Code
provided by competent authority.

16.RuPay –PMJDY

 RuPay Debit card given to all those who are not having Banking Accounts so far
by opening account in their name.
 Maximum limit of cash withdrawn is Rs.15,000 per day in ATM
 Maximum amount that can be withdrawn per day is Rs.25,000 in POS
 This card will not work on e-commerce.
 Personal Accident Coverage of Rs. 1 Lac and Rs 30000 for Life Insurance available.
 PRE-PAID CARDS
1.Mastercard Prepaid card

 Reloadable in nature
 Cash withdrawal, Purchase and E.Commerce
 Transactions allowed.
 Loading and reloading limit upto Rs.50,000
 Daily withdrawal limit- Rs. 15,000
 Daily Purchase limit – Rs. 35,000

2.Visa Prepaid Card:

 Reloadable in nature
 Cash withdrawal, Purchase and E.Commerce
 Transactions allowed.
 Loading and reloading limit upto Rs.50,000
 Daily withdrawal limit- Rs. 15,000
 Daily Purchase limit – Rs. 35,000
3.Gift Card:

 Visa cards
 Non reloadable
 Valid for one year from date of issuance or printed expiry date. whichever earlier,
 Minimum Amount of Issue: Rs.500/-Thereafter in multiples of Rs.1/- with a
maximum amount up to Rs. 10,000/-
 Maximum Amount of Issue: Rs. 10,000/-
 Daily transaction limit: Up to the balance in the Card.
 Domestic cards
 Will work only on POS machine. Not restricted to any particular Merchant
Establishment/ Point of Sale.
 Cash Withdrawals at ATM and e-COM transactions are Not Permitted
 Free balance inquiry with transaction receipt indicating the balance online
at http://www.bankofindia.co.in/giftcardform
 For issuance of Gift Card in lieu of Lost Card a charge of Rs. 100/- will be levied.
 All branches are authorized to issue Gift Cards
 Maximum amount of issue up to Rs. 10000/-
Documents to be obtained at the time of issuance of Gift cards.
 If the applicant is having account with the bank, then the account should be KYC
compliant, and the latest KYC document must have been obtained and recorded
in the system.
 Upto Rs. 1000/ - any acceptable Identity document of the applicant
 Upto Rs. 5,000/- any identity proof issued by Government authorizes for the
applicant
 Above Rs. 5000/- to Rs.10,000 /-the normal KYC documents obtained at the time
of opening of the accounts to be obtained for the applicant
 Charges: Flat Charges – Rs. 50/- per card irrespective of amount.
Expired Gift cards
 In case the Gift card is expired and the balance is above Rs.100/- the amount
could be refunded to the customer after deducting Rs. 35/- as maintenance
charges per month subsequent to the date of expiry of the card. The claim for
refund should be lodged within the Three months from the date of expiry of the
card.
Hot listing of Gift Card
All India Toll-free No. 1800 22 00 88 or 022-40426005
4.International Travel Card

 A VISA Card
 Available in currency : US Dollars
 Minimum loading of US$ 250.00