BOI NAVY CLASSIC : Bank of India : Rupee Times

CREDIT CARD DETAIL

Bank of India NAVY CLASSIC

Card Highlights

Card Class	Standard
Card Type	Classic
Issuer	Bank of India
Offered Type	MasterCard
Rewards

Main Features

Add-on Card facility for two members. Photo Card option Cash withdrawal facility upto Rs. 5000/- per month from our 500 designated Branches. Mediclaim & Accident Insurance at Lower Premium for all Credit Card holders and their family members. Bank of India offers a UNIQUE SECURITY PLAN in collaboration with the Oriental Insurance Company Ltd., at a discounted premium exclusively for its CARD HOLDERS. Mediclaim cover upto Rs.6.0 lac. 100% Income- tax benefit upto Rs.10,000/- on Mediclaim insurance premium.

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	1.7% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month Min.: Rs 5000 per month (Balance transfer facility available on all Cards. Cardholder can ask for a minimum transfer of Rs.5, 000/- and a maximum of up to 75% of his spending limit from his existing Card account with any other bank.}

Fees & charges

Annual Fee	Rs 600
Add On Card Fee	Add-on Card facility for two members.
Cash Advance Transaction Fee	2.5% on advance amount (subject to a minimum of Rs 50) for each transaction. Interest on dues/overdue
Late Payment	Rs. 100/- in addition to finance charges for minimum payment due > Rs. 1000
Free Credit Period	Min.: 21 days Max.: 51 days
Limited Lost Card Liability	Rs.1000/- from the date of notification of such event to the Bank.
Over Limit Charges	Rs. 100/- for each transaction
Cheque Bounce Fee	Min.: Rs 100
Return of Cheque Fee	Min.: Rs 100
Duplicate Statement Request Charges	Rs 50
Replacement Card Charges	Rs 250
Charge Slip Request	Rs. 100/- or actual whichever higher
Air/Railway Booking Comment	Actual charges claimed by Railways / acquirer bank
Service Tax	12.36%

Services & Features

General Features:

Photo Option	Yes
Add On Card	Yes
Internet Web Based Access	Yes
Coverage	International
Concierge Service	No
Invitation to Special Events	No
Road Assistance	No
Forex & Travel Cheque Services	No
Access to 24-Hour Customer Care Centre	Yes
Personal Loan Facility	No
EMI on Call Facility	No
Dial a Draft Facility	No
Rewards Programme	No
Global Emergency Assistance Service	Yes

Insurance:

Air Accident	Rs 4,00,000/-
Other Accident	Rs 2,00,000/-
Hospitalization Benefits	No

Eligibility Criteria

Terms & Conditions

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