Bank of India Gold International (VISA) For the Globe trotter : Bank of India : Rupee Times

CREDIT CARD DETAIL

Bank of India Gold International (VISA) For the Globe trotter

Card Highlights

Card Class	Gold
Card Type	Premium
Issuer	Bank of India
Offered Type	Visa
Rewards

Main Features

Specially suited for customers who frequently visit abroad. Card can be used for withdrawing cash at over 8.1 lakh ATM's in the Visa ATM Network and 4.14 Lakh Merchant locations worldwide. The card is also suited for students to make Online payments of Fees for International Education Admissions. For transacting Internet Purchases / Subscriptions Globally. Access to the VISA Emergency Assistance Centre ( VEAC) for Accessing services of Lost/ Stolen Card reporting. Emergency Cash Disbursement. Emergency Card Replacement. Other Insurance benefits Corporate Card

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	75% per month Min.: Rs 5000 per month (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

Joining Fee	nil
Annual Fee	Rs 1500
Add On Card Fee	Rs 800
Credit Limit	20 per cent of annual income minimum Rs.30,000/- maximum Rs.200,000/-
Cash Advance Limit	Card holder can withdraw up to 50% of his total spending limit subject to Rs.15,000/- per day
Cash Advance Transaction Fee	2.5% on advance amount (subject to a minimum of Rs 50) for each transaction. Interest on dues/overdue
Penalty Interest Rate	1.70 percent per month (APR: 22.45 % per annum compounded on daily balances)
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 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 50
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	No
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	Up to Rs.8,00,000/-
Other Accident	Up to Rs.4,00,000/-
Hospitalization Benefits	No

Eligibility Criteria

Terms & Conditions

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