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Bank of India
Platinum
•••• •••• •••• 0000
RuPay Swadhan Platinum
RuPayBank of India • RuPay•
Annual Fee
Free
Base Reward Rate
—
Foreign Tx Fee
3%
Tier
Joining Fee
Free
Verified
2026-06-08T14:01:24.290Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹0
Blended 0.00% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Secured credit card issued against a fixed deposit (TDR); lifetime free with no joining/annual/replacement fees. Welcome benefit: 100 points one-time on minimum spend of Rs.3,000 within 30 days of issuance. Spend-based fee waiver: Nil. No lounge access (any lounge use chargeable per RuPay). Cash limit 50% of credit limit, daily cash withdrawal cap Rs.15,000. UPI-enabled. Forex markup 3% on international transactions.