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Explore cards from India's leading banks.
Last updated: 13 September 2026
Free to apply via CardsGuruji · subject to issuer approval
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.
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)
An honest read on where this card earns its keep — and where it doesn't.
No joining fee
Good reward rate (2 pts/₹100)
Amazon Prime membership included
Airport lounge access
Annual fee ₹800 if waiver not met
Redemption value of points relatively low
Limited cashback options
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
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.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Bank of India RuPay Select Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Bank of India RuPay Select Credit Card.
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Everything you need to know about Bank of India RuPay Select Credit Card fees, reward conversion, lounge access, and application eligibility.
Bank of India RuPay Select Credit Card has an annual fee of ₹800 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "5,000 reward points on spends of ₹5,000 within 30 days of card activation (as published)".
Bank of India RuPay Select Credit Card earns Reward Points at a primary rate of 2 reward points per ₹100 spent. Specifically, Points are credited instantly; 1 point = ₹0.25 redemption value. Points can be redeemed for vouchers, statement credit or gift cards.. Spends in Shopping, Lifestyle, Dining, Travel categories provide the maximum valueback per transaction on this card.
Yes, because Bank of India RuPay Select Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Yes, Bank of India RuPay Select Credit Card features complimentary airport lounge privileges. Privileges include: "Complimentary airport lounge access (up to 22 visits per year)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Bank of India RuPay Select Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Bank of India RuPay Select Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Bank of India RuPay Select Credit Card currently features a welcome offer: "5,000 reward points on spends of ₹5,000 within 30 days of card activation (as published)". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include No joining fee and Good reward rate (2 pts/₹100). However, keep in mind that Annual fee ₹800 if waiver not met and Redemption value of points relatively low. Overall, Bank of India RuPay Select Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle, Dining, Travel.
Yes, Bank of India RuPay Select Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for Bank of India RuPay Select Credit Card directly through Bank of India's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
