Bank of India RuPay Select
Bank of India's RuPay Select card: 8 domestic + 2 international lounge visits yearly, Amazon Prime, Swiggy One, and BigBasket perks; ₹800 annual fee, no joining fee.
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Fees
Waiver: Paisabazaar's Bank-of-India-specific listing reports the renewal fee waived on reaching ₹2,00,000 in annual card spend (with a separate ₹1,00,000 milestone tied to a bonus voucher, not the fee itself). This waiver route is not confirmed on Bank of India's own product page, which is JS-rendered and could not be fetched directly, and two other aggregators (CardInsider, BankBazaar) list the ₹800 annual fee with no stated waiver at all. Budget for the ₹800 annual fee as the safe baseline.
Eligibility
Age: 21+ yrs
Employment: salaried, self employed
Rewards
Welcome benefits
- • ₹500 Amazon India gift voucher reported on payment of the card's joining/issuance fee (per Paisabazaar); the joining fee itself is separately listed as nil by CardInsider and BankBazaar, so the exact trigger for this voucher could not be independently pinned down
- • ₹2,000 Cleartrip or Yatra e-voucher on reaching ₹1,00,000 in annual card spend, plus another ₹2,000 e-voucher at ₹2,00,000 in annual spend
Perks
- ✓Domestic lounge access: 8/yrAggregator sources describe this as 8 complimentary domestic visits a year (2 per quarter) across the RuPay lounge network in India, with no spend condition stated. Bank of India's own site could not be fetched to independently confirm this figure (see note on aggregator-only sourcing below); other RuPay Select-branded cards from other issuers have been reported elsewhere as spend-tiered, but no source found for this specific card confirms any spend threshold gates these 8 visits, so none is asserted here.
- ✓International lounge access: 2/yr
- ✓Fuel surcharge waiver: 1%Applies within a per-transaction fuel spend band; sources differ on the exact range (₹400–₹5,000 vs ₹500–₹3,000), and no monthly cap amount could be confirmed, so none is stated here.
- ✓Forex markup: 3%
- ✓Concierge service
- ✓Personal Accident and Permanent Disability cover up to ₹10 lakh, provided via RuPay/NPCI
- ✓Complimentary annual Amazon Prime membership
- ✓3-month complimentary Swiggy One membership annually
- ✓₹200 monthly BigBasket discount voucher
- ✓Complimentary annual health check-up package
- ✓Reward points redeemable via Bank of India's Star Rewardz loyalty platform at roughly 1 point = ₹0.25 (about 0.5% effective return on the base 2x rate); points valid for 1 year from accrual
- ✓Up to 2 add-on cards, each carrying a ₹600 annual fee
- ✓Foreign currency markup is reported as 2% by one aggregator (CardInsider) and 3% by another (BankBazaar); neither could be cross-checked against Bank of India's own page, so 3% is used here as the more conservative estimate
Common questions
- What is the annual fee on the Bank of India RuPay Select?
- The joining fee is ₹0. The annual fee is ₹800. Paisabazaar's Bank-of-India-specific listing reports the renewal fee waived on reaching ₹2,00,000 in annual card spend (with a separate ₹1,00,000 milestone tied to a bonus voucher, not the fee itself). This waiver route is not confirmed on Bank of India's own product page, which is JS-rendered and could not be fetched directly, and two other aggregators (CardInsider, BankBazaar) list the ₹800 annual fee with no stated waiver at all. Budget for the ₹800 annual fee as the safe baseline.
- What are the reward rates on the Bank of India RuPay Select?
- Bank of India RuPay Select earns 2x points on all other spends.
- Does the Bank of India RuPay Select offer airport lounge access?
- Yes: 8 domestic lounge visits per year (Aggregator sources describe this as 8 complimentary domestic visits a year (2 per quarter) across the RuPay lounge network in India, with no spend condition stated. Bank of India's own site could not be fetched to independently confirm this figure (see note on aggregator-only sourcing below); other RuPay Select-branded cards from other issuers have been reported elsewhere as spend-tiered, but no source found for this specific card confirms any spend threshold gates these 8 visits, so none is asserted here.) and 2 international lounge visits per year.
- Who is eligible for the Bank of India RuPay Select?
- Applicants typically need a minimum age of 21, and must be salaried or self employed. Exact criteria are set by Bank of India and can vary by application.