BOI RuPay Select Credit Card credit card
Lifestyle

BOI RuPay Select Credit Card

Bank of India logo Bank of India
7.8
CardTrail Score
Very Good
out of 10
Net Value
10.0
Accessibility
9.0
Feature Depth
6.0
Bank Trust
5.0
How we score →
Annual Fee
₹800
Spend Rs 1L/year
Forex Markup
3.5%
Reward Rate
2%
Up to 2%
Lounge Access
2
domestic | 2 intl

About This Card

BOI RuPay Select offers solid lifestyle benefits including complimentary Amazon Prime, Swiggy One, and BookMyShow discounts. The 2X reward points on all transactions and 8 domestic lounge visits make it competitive among PSU bank cards.

Pros & Cons

Pros

  • No joining fee; annual fee waivable at Rs 1L spend
  • Complimentary Amazon Prime annual membership
  • Rs 250/month BookMyShow discount
  • Rs 10L personal accident insurance via NPCI

Cons

  • Rs 800 annual fee (though waivable)
  • RuPay network limits international acceptance
  • From a PSU bank — slower customer service

Fee Details

Annual Fee
₹800
Joining Fee
Free
Fee Waiver Condition
Spend Rs 1L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
2%
Max Rate
2%
Currency
Reward Points
Welcome Bonus
None

Lounge Access

Domestic Lounges
2
per quarter
International Lounges
2
per quarter

Key Highlights

  • 2X reward points on online & POS transactions
  • 8 domestic lounge visits/year + 2 international
  • Complimentary Amazon Prime + Swiggy One membership
  • Rs 250/month off on BookMyShow (2+ tickets)

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Quick Summary

Best For
lifestyle entertainment
Annual Fee ₹800
Base Reward 2%
Max Reward 2%
Forex Markup 3.5%
Network RuPay
Min Income No minimum

CardTrail Score

7.8
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

lifestyle entertainment shopping

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