BOI Domestic Credit Card vs IDFC First WOW! Credit Card
Joining Fees
₹0
₹0
Editor's Rating
4
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
- Lifetime free credit card - No joining fee/annual fee
- Get up to 4x Reward Points on every transaction
- Unlimited never expiring reward points as good as cash
- Insurance premium payments and Utility bill payments will earn 1X reward points
- Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
- Zero interest charges on ATM cash withdrawals for up to 45 days
- Zero Currency Exchange Hassles
- Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
- Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
- 1% Fuel Surcharge Waiver
- Withdraw cash up to 100% of FD value
- Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
- Earn 4X Reward Points on every travel spend
- Up to 3X reward points on all UPI spends
- Credit limit minimum 100% of the FD Value
- No credit history required
- No income proof required
- Instant Card Issuance
- Discover discounts across 1500+ resturants and retailers
- Get discount across 300+ merchants and 1500+ resturants
- Credit shield protection against theft and fraud
- Access to exclusive VISA offers across the globe
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
- Lifetime free credit card
- Get a 100% credit limit against the amount of Fixed Deposit
- Get up to 4x Reward Points on every transaction
Cons
- No travel benefits
- No golf benefits
- No complimentary domestic or international airport lounge access
