BOI Domestic Credit Card vs HDFC Bank MoneyBack+ Credit Card
Joining Fees
₹0
₹500
Editor's Rating
4
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
- Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
- Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
- Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
- Get 5X CashPoints on EMI spends at merchant locations
- Get 2 CashPoints per Rs. 150 spent on other spends
- Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
- Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
- Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
- For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
- Zero lost Card liability
- You can enjoy an interest-free period of up to 50 days from the date of your purchase
- Enjoy Revolving Credit at a nominal interest rate
- Enjoy amazing dining benefits with the Good Food Trail program
- Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
- Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
- Convert your big spends into EMI after purchase
- The card is enabled for contactless payments
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
- Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
- Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends
- Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
Cons
- No golf benefits are provided
- No airport lounge access
