The short answer
Every Bank of India debit card earns Star Points on online and in-store spends, including credit card bill payments. On the RuPay Select Debit Card, a single payment above ₹10,000 earns 3 points per ₹100, or 0.75%.
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Worth it: you pay credit card bills of ₹10,000 or more and can pay them by debit card. ₹1.26 lakh of bills a year covers the ₹944 fee in points alone.
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The one rule that matters: the rate depends on each payment, not the monthly total. Pay a bill in one go above ₹10,000, never in small parts.
Star Points per payment
| One payment | RuPay Select | Other BOI debit cards |
|---|---|---|
| ₹100 to ₹5,000 | 1 RP per ₹1000.25% | 1 RP per ₹1000.25% |
| ₹5,001 to ₹10,000 | 1.5 RP per ₹1000.375% | 1.5 RP per ₹1000.375% |
| Above ₹10,000 | 3 RP per ₹1000.75% | 2 RP per ₹1000.5% |
The maths: 1 Star Point = ₹0.25, so 3 RP on every ₹100 is ₹0.75, or 0.75%. Spend more than ₹50,000 in a month and you get 100 bonus points on top.
Credit card bills, worked out
| Bill paid | Star Points | Value |
|---|---|---|
| ₹10,000 | 150 RP | ₹37.500.375%: just below the top slab |
| ₹10,100 | 303 RP | ₹75.750.75% |
| ₹25,000 | 750 RP | ₹187.500.75% |
| ₹60,000 | 1,900 RP | ₹4751,800 + 100 monthly bonus |
| ₹1,00,000 | 3,100 RP | ₹7753,000 + 100 monthly bonus |
At 3 RP per ₹100, the 10,000-point cap is reached at about ₹3.33 lakh of payments in a month.
The RuPay Select Debit Card
- Fee
- ₹944 to issue, ₹944 a year₹800 + 18% GST.
- Who can get it
- Any BOI savings account except BSBDABasic Savings Bank Deposit Accounts aren’t eligible.
- Account
- Can be opened fully onlineBOI’s online savings account needs no minimum balance.
- Best way to apply
- At your nearest BOI branchBOI is a PSU bank, so the branch is usually quickest: open the account and ask for the RuPay Select card on the spot.
RuPay Select benefits
| Benefit | What you get |
|---|---|
| Airport lounges | 1 domestic visit a quarterAfter ₹5,000 of in-store and online spends in the previous quarter |
| Insurance | Personal accident and permanent disability cover |
| Wellness | RuPay Select wellness benefitsGym, spa, golf and health check-up offers from RuPay |
| Star Points | 3 RP per ₹100 on payments above ₹10,000 |
| Payments | ContactlessInternational online payments aren’t allowed |
RuPay sets and updates the Select benefits. Check the current list on the RuPay website before you use one.
Caps, posting and reward rules
- Monthly cap
- 10,000 RP per customer IDAbout ₹2,500 a month.
- Monthly bonus
- 100 RP above ₹50,000 a monthDoesn’t count towards the cap.
- Posting
- Usually 3 to 7 daysPoints show up on the BOI Star Rewardz portal.
- Validity
- 3 years
- Minimum to redeem
- 100 RP
- BOI’s own bill pay
- A few flat points per billPaying bills through BOI’s bill payment service earns a small fixed number of points, with a monthly cap, not the slab rates above.
Redeeming points
- Register your BOI debit card on boistarrewardz.com (opens in a new tab) or the BOI Star Rewardz app.
- Check your balance once points post, usually 3 to 7 days after a payment.
- Redeem from 100 RP on flights, bus and movie tickets, vouchers and products.
Quick answers
How much is one Star Point worth?
₹0.25. So 1,000 RP is ₹250, and the 10,000 RP monthly cap is about ₹2,500.
Do credit card bill payments earn Star Points?
Yes. A credit card bill paid with your BOI debit card earns points at the slab for that payment’s size, like any other online spend.
Is the slab based on my monthly spend?
No. It’s based on each transaction. Four ₹5,000 payments earn 1 RP per ₹100; one ₹20,000 payment earns 3 RP per ₹100 on RuPay Select.
Is the RuPay Select card worth ₹944 a year?
If you pay ₹1.26 lakh or more of card bills a year in payments above ₹10,000, the points cover the fee. The lounge, insurance and wellness benefits come on top.
Which accounts can get the RuPay Select card?
Every BOI savings account variant except BSBDA (Basic Savings Bank Deposit Account).
Do Star Points expire?
Yes, after 3 years.
When do points show up?
Usually within 3 to 7 days, on the BOI Star Rewardz portal.
Sources
- Bank of India: Star RewardsBOI (opens in a new tab)
- Bank of India: RuPay Select Debit CardBOI (opens in a new tab)
- BOI Star Rewardz: registration and redemptionBOI (opens in a new tab)
Slab rates, the RuPay Select bonus, the 10,000-point cap, the monthly bonus, bill-pay points, validity, the redemption minimum and lounge rules are from Bank of India’s Star Rewards and RuPay Select pages. The point value, posting time, fee with GST and account eligibility are from my own use of the card. Related: SBI Rewardz on debit cards, Pay your card bill and Bank of India customer care. This is an independent guide, not financial advice or a Bank of India endorsement.