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Credit Cards · India

Bank of India RuPay Select Credit Card

Updated 5 Jul 2026Source-linked

The Bank of India RuPay Select Credit Card is a mid credit card from Bank of India, with a joining fee of ₹800 + GST.

Cardholders get 2 quarterly domestic + 2 annual international airport lounge access.

BoI
Bank of India RuPay Select Credit Card
RuPay logo
  • Joining FeeFree
  • Annual Fee₹800
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • Base rate 0.36%
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
Bank of IndiaRuPay logoselectmid
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Rewards and Benefits

Rewards Rate
Base 0.36% on other spends.
Reward Redemption
BoI Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
DISCOUNT on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Amazon Prime membership — Complimentary annual Amazon Prime membership.
  • BigBasket voucher — Rs 200 discount voucher per month on BigBasket.
  • Swiggy One — 3-month Swiggy One membership per annum (free deliveries + discounts).
  • +1 more

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹54/mo
  • Groceries₹8,000 · 0.4% = ₹29/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹29/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹36/mo
  • Utilities & bills₹5,000 · 0.4% = ₹18/mo
Est.net rewards for this spend, realistic
₹1,187/yr

₹1,987 rewards − ₹800 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
2.50% per month (30.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹150 per monthly.
Cash Advance Charges
3.0% or ₹300 (whichever is higher)

Product Details

  • mid card issued by Bank of India.
  • Joining / annual fee of ₹800 + GST.
  • Available on the RuPay network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).

Pros & Cons

Pros
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
2 visit(s) / quarterly. Via rupay.
International
2 visit(s) / annual. Via rupay.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹150 per monthly.

Other benefits

  • Amazon Prime membership. Complimentary annual Amazon Prime membership.
  • BigBasket voucher. Rs 200 discount voucher per month on BigBasket. (≈ ₹2,400 value)
  • Swiggy One. 3-month Swiggy One membership per annum (free deliveries + discounts).
  • Health check-up. Annual customised health check-up package (once per annum).

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–70
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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