BOI Domestic Credit Card vs HDFC Moneyback Credit Card
Joining Fees
₹0
₹500
Editor's Rating
4
3.3
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
- Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
- Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
- Get 2 Reward Points on every Rs. 150 spent
- Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
- Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
- Zero Lost card liability
- Up to 50 days of interest free period from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
- 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- Avail facility of converting big spends into EMI after purchase
- HDFC Bank MoneyBack Credit Card is enabled for contactless payments
- Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
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
- Zero liability on the lost card if reported immediately
- With the EMV Chip technology presented in the card, stay protected against fraud
- Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
- The Reward points are only valid for 2 years
- No complimentary Airport Lounge Access
- High-interest rate of 3.49%
