Bank of India

Select · Standard

RuPay Select debit

Bank of India RuPay Select Debit Card

Bank of India

Premium RuPay Select with wellness and rewards

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Annual Fee
₹800
Joining Fee
Free
Reward Rate
—%
Forex Markup
3.5%

Value Analysis

Annual Net Value
₹31,056
Total Annual Benefits
₹32,000
Total Annual Charges
₹944
ROI
3289%

Card Analytics

Visual breakdown of value, benefits, and limits

Value Breakdown

Benefits Distribution

Transaction Limits

Card Scorecard

Charges Breakdown

Benefits & Perks

Airport Lounge Access (2)
Domestic Airport Lounge Access
Complimentary domestic airport lounge access at participating lounges across India.
  • • 1 visit per quarter
  • • Valid at participating domestic lounges
  • • Card must be presented for entry
4 visits/year
₹8,000/yr
International Airport Lounge Access
Complimentary international airport lounge access at participating lounges worldwide.
  • • 2 visits per year
  • • Valid at participating international lounges
  • • Card must be presented for entry
2 visits/year
₹6,000/yr
Health & Wellness (4)
Spa Session
Complimentary spa session with 40-50% off on additional sessions.
  • • 1 complimentary session per year
  • • 40-50% discount on additional sessions
  • • Valid at partner spa centers
1 free + 40-50% off additional
₹3,000/yr
Gym Membership
1 month gym membership with 40-50% off on extension.
  • • 1 month membership per year
  • • 40-50% discount on extension
  • • Valid at partner fitness centers
1 month + 40-50% off extension
₹3,000/yr
Health Check-up
Complimentary health check-up with discount on additional check-ups.
  • • 1 per year
  • • Discount on additional check-ups
  • • Valid at partner diagnostic centers
1/year + discount on additional
₹2,000/yr
Digital Meditation & Fitness Sessions
Access to digital meditation and fitness sessions.
  • • Access via partner wellness app
  • • Valid for card duration
Access included
₹2,000/yr
Golf Privileges (1)
Golf Lessons
Free golf lesson with discount on additional lessons.
  • • 1 free lesson per year
  • • Discount on additional lessons
  • • Subject to availability at partner golf courses
1 free + discount on additional
₹3,000/yr
Insurance Coverage (1)
Personal Accident & Permanent Disability Insurance
Comprehensive personal accident and permanent disability insurance cover.
  • • Cover valid while using the card
  • • Claim process through BOI insurance partner
₹10 lakh
₹5,000/yr

Fees & Charges

Charge Amount
Issuance Fee Free Free issuance
Annual Fee ₹800 Excluding taxes

Transaction Charges

Forex Markup
3.5%
Cross Border Fee
Free
PIN Regeneration
₹50

ATM Charges

Own Bank
₹20 (5 free/mo)
Other Bank
₹20 (3 free/mo)
Intl. Withdrawal
3.5% + ₹125

Eligibility

Requirements

Age Range
18 – 65 years
Employment
Salaried, Self-Employed

Notes

  • • Available to BOI account holders
  • • Star Points earned on PoS and e-commerce spends

Transaction Limits

ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000

Features

Star Points on PoS and e-commerce spendsContactless payments up to ₹5,000EMV chip securityDomestic acceptanceAirport lounge accessSpa, gym, health check-up benefitsGolf lessonsDigital meditation & fitness sessionsPersonal accident & permanent disability insurance

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Premium RuPay Select with wellness and rewards

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