BOI Domestic Credit Card vs HDFC Platinum Times Credit Card

• 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 

• HDFC Bank Times Platinum Credit Card is enabled for contactless payments
• Fuel Surcharge Waiver
• Zero liability on the lost card
• Get up to 50 days interest-free from the date of purchase (subject to the submission of the charge by the Merchant)
• The Reward points are valid for 2 years from the date of accumulation
• You can register the Platinum Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. With this service you’re ensured that all the utility bills are paid on time, conveniently and easily

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

• 25% off on movies and up to 20% off on dining participating restaurants
• Live GPS location-based offers 365 days on Times Card WebApp
• 3 Reward Points for every Rs. 150 spent; 10 Reward Points for Rs. 150 spent on weekday dining

Cons

• No complimentary Airport Lounge access  
• No Golf Privileges