Bank of India has expanded its premium credit card portfolio with the introduction of the BOI Celestia RuPay Ekaa Credit Card. This card is designed for individuals who prefer a luxurious lifestyle, premium travel privileges, and personalised services. With exclusive benefits across travel, dining, wellness, and entertainment, Celestia positions itself as a strong option in the premium RuPay credit card segment.
This card is suitable for high-income earners who want premium experiences without paying extremely high annual fees compared to other luxury credit cards.
Eligibility Criteria for BOI Celestia Credit Card
To apply for the BOI Celestia RuPay Ekaa Credit Card, applicants must meet the following criteria:
- Minimum gross annual income requirement of fifteen lakh rupees
- Suitable for professionals, business owners, and senior executives
- Good credit score and stable income profile
Joining and Annual Fees
The BOI Celestia credit card comes with a premium fee structure:
- Joining fee of five thousand rupees
- Annual renewal fee of five thousand rupees
Considering the range of benefits offered, the fee is competitively priced within the RuPay Ekaa premium category.
Welcome Benefits and Reward Points
Cardholders receive strong value from the very beginning.
- E-vouchers worth five thousand rupees on joining
- Earn five times loyalty reward points on dining, airline bookings, and fuel spends
- Higher reward earning compared to standard lifestyle cards
Airport Lounge Access and Travel Privileges
The BOI Celestia credit card offers premium travel comfort:
- Complimentary access to domestic and international airport lounges
- Priority services and smoother travel experience for frequent flyers
- Ideal for users who travel regularly for business or leisure
Hotel, Dining and Wellness Benefits
Luxury lifestyle perks are a major highlight of this card.
- Complimentary stay offers with additional free night benefits
- Buy one get one dining offers at premium hotel restaurants
- Spa offers and wellness privileges at select locations
Movie and Entertainment Offers
- Buy one get one free movie ticket benefit every month
- Ideal for entertainment lovers who frequently book movie tickets
Concierge and Personal Assistance Services
Cardholders get access to round-the-clock concierge services, including:
- Travel and hotel bookings
- Golf reservations
- Car rentals
- Emergency assistance for lost luggage, passport, or cash during travel
Golf and Health Benefits
- Complimentary golf lessons or golf rounds every year
- Annual health check-up benefit
- Quarterly access to premium spa facilities
Shopping, Dining and Lifestyle Offers
- Exclusive shopping and dining discounts through partner platforms
- Special curated lifestyle offers for premium cardholders
Hotel Membership and Insurance Coverage
Complimentary Hotel Membership
- Free membership with a premium hotel privilege programme offering luxury stays and discounts
Insurance Protection
- Personal accident cover
- Air travel accident cover
- Purchase protection insurance
- Coverage for lost baggage during travel
Is BOI Celestia RuPay Ekaa Credit Card Worth It
The BOI Celestia RuPay Ekaa Credit Card is a strong choice for users who value comfort, premium experiences, and personalised services. It delivers luxury benefits such as lounge access, concierge support, hotel stays, golf privileges, and insurance coverage at a lower cost compared to many ultra-premium cards.
For individuals who meet the income eligibility and frequently travel or spend on lifestyle categories, this card offers excellent value for money.