ക്രെഡിറ്റ് കാര്ഡുകള്

BOI

ക്രെഡിറ്റ് കാർഡ് എംഐടിസി
(ഏറ്റവും പ്രധാനപ്പെട്ട നിബന്ധനകളും വ്യവസ്ഥകളും)
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ന്യായമായ പ്രാക്ടീസ് കോഡ്
 
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സ്വകാര്യതാ നയം
 
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Warning: Making only the minimum payment every month would result in the repayment stretching over months/years with consequential compounded interest payment on your outstanding balance

BOI

Branch Billing – Auto Recovery

  • In case of Branch billing card, system will recover card dues from the registered repayment/charge account of the customer on due date, thus customer needs to maintain sufficient balance in charge account.
  • If recovery is failed from charge account then authorization of that credit card gets blocked and applicable interest/penalty will be applied. In such scenario free credit period is not available to the customer and interest is charged from the date of transactions.
Payment through BOI Omni Neo Mobile Banking App

  • In case of Branch billing card, system will recover card dues from the registered repayment/charge account of the customer on due date, thus customer needs to maintain sufficient balance in charge account.
  • If recovery is failed from charge account then authorization of that credit card gets blocked and applicable interest/penalty will be applied. In such scenario free credit period is not available to the customer and interest is charged from the date of transactions.
Payment through Internet Banking

  • In case of Branch billing card, system will recover card dues from the registered repayment/charge account of the customer on due date, thus customer needs to maintain sufficient balance in charge account.
  • If recovery is failed from charge account then authorization of that credit card gets blocked and applicable interest/penalty will be applied. In such scenario free credit period is not available to the customer and interest is charged from the date of transactions.
Direct Billing – Payment Processing

  • In case of Branch billing card, system will recover card dues from the registered repayment/charge account of the customer on due date, thus customer needs to maintain sufficient balance in charge account.
  • If recovery is failed from charge account then authorization of that credit card gets blocked and applicable interest/penalty will be applied. In such scenario free credit period is not available to the customer and interest is charged from the date of transactions.
Through Website:

  • In case of Branch billing card, system will recover card dues from the registered repayment/charge account of the customer on due date, thus customer needs to maintain sufficient balance in charge account.
  • If recovery is failed from charge account then authorization of that credit card gets blocked and applicable interest/penalty will be applied. In such scenario free credit period is not available to the customer and interest is charged from the date of transactions.

  • In case of Branch billing card, system will recover card dues from the registered repayment/charge account of the customer on due date, thus customer needs to maintain sufficient balance in charge account.
  • If recovery is failed from charge account then authorization of that credit card gets blocked and applicable interest/penalty will be applied. In such scenario free credit period is not available to the customer and interest is charged from the date of transactions.

  • Card holder can pay the credit card dues through BOI Omni Neo App.
  • Cardholder can navigate to My cards section-> Credit Cards section in app and pay the due amount from the app

  • Card holder can pay the credit card dues through BOI Internet Banking.
  • There is an option of “Credit card Payment” under Credit Card in Card services Tab.

  • Direct billing card holders pay/remit directly their dues by tendering cheque in any Bank of India branches or through on line transfer to our MBB A/C:010190200000001,IFSC:BKID0000101,Digital Banking Branch citing 16 digit credit card no. along with name of card holder.

  • Online Credit card payment can be done through link available on Bank of India website -> BOI Online -> Payment Services option- Credit card Bill Payment.

Warning: Cardholders are advised to exercise due caution and refrain from making payments through modes other than those authorised by Bank of India.