BOI Domestic Credit Card vs BOB Financial Easy
Joining Fees
₹0
₹500
Editor's Rating
4
4.6
Key Features
- A Classic card with Photo or Non-Photo
- Avail Membership to the BOI Reward programme
- Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
- Fuel Transaction Surcharge: 1% of transaction amount
- Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
- Avail 1 reward point for every Rs. 100 spent on other categories
- Avail 0.5% of the card bill payment as cash-back in the next statement
- Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/waiver of annual fees
- 1% fuel surcharge waived for fuel transactions between Rs. 400 - Rs. 5,000 (Max. waiver of Rs. 250 per month)
- Redeem the earned reward points as cash-back and other exciting options
- Convert purchases of more than Rs. 2,500 on the card into easy EMIs of 6/12 months
- 3 lifetime free add-on cards
- Free Personal Accidental Death Cover
- Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
- Avail 50 days of interest free credit from the date of any purchase
- Pay Minimum Amount Due and finance your spends as per your convenience
Editor's Review
Pros
- The Billing cycle is from 16th of current month to 15th of next month
- Interest free credit for up to 51 days and revolving credit at preferential rate
- EMI at POS facility is available on POS that are managed/owned by M/S WorldLine Private Limited
- Avail flexible credit limits for add-on cards
Cons
- No Golf Privileges
- No Airport Lounge Access
- This card is for Domestic usage and valid only in India and Nepal
Pros
- Easy EMI Option
- First year Fee: Spend 6,000 on the card within 60 days for fee reversal
- Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
Cons
- No golf privileges
- No airport lounge access
