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Bank of IndiaBank of India

Bank of India RuPay Select Credit Card

ShoppingLifestyleDiningTravel
Welcome offer5,000 reward points on spends of ₹5,000 within 30 days of card activation (as published)
Annual fee
₹ 800
Reward rate
2 reward points per ₹100 spent
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

Bank of India RuPay Select Credit Card
RuPay
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

2 reward points per ₹100 spent

Points are credited instantly; 1 point = ₹0.25 redemption value. Points can be redeemed for vouchers, statement credit or gift cards.

Reward currency
Reward Points
Card network
RuPay
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Complimentary Amazon Prime membership (annual)

  • Complimentary airport lounge access (up to 22 visits per year)

  • 3 months Swiggy One membership

  • Fuel surcharge waiver

  • Dining discounts

  • Insurance cover (accident & travel)

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • No joining fee

  • Good reward rate (2 pts/₹100)

  • Amazon Prime membership included

  • Airport lounge access

What to watch out for

  • Annual fee ₹800 if waiver not met

  • Redemption value of points relatively low

  • Limited cashback options

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹800Charged every year from the second year

Other charges

Applied only when the situation arises

Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month (42% p.a.)
Cash advance
3.5% per month (42% p.a.)

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Bank of India before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Bank of India are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Bank of India RuPay Select Credit Card

Everything you need to know about Bank of India RuPay Select Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Bank of India RuPay Select Credit Card is nominal, and the annual renewal fee is ₹800 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Bank of India RuPay Select Credit Card from Bank of India, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Bank of India RuPay Select Credit Card is designed to reward everyday spends. It currently features: "5,000 reward points on spends of ₹5,000 within 30 days of card activation (as published)". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Bank of India's rewards portal.

Yes, Bank of India RuPay Select Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Bank of India RuPay Select Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.