BOI Domestic Credit Card vs HDFC Regalia Credit Card
Joining Fees
₹0
₹2,500
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
- Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec) 2. Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit via SmartBuy
- International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India
- 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
- Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
- Zero Lost card liability
- Foreign Currency Markup: 2% on all foreign currency spends
- Get Revolving Credit at nominal interest rate
- 24/7 Concierge Services
- Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
- Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
- Convert big spends into EMI after purchase
- Accidental air death cover worth Rs. 1 Crore
- Emergency overseas hospitalization up to Rs. 15 lakhs
- Lost Card Liability Cover : Up to Rs 9 lakhs
- On retail spends including Insurance, earn 4 reward points on Rs. 150
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
- Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
- Accidental air death cover worth Rs. 1 Crore
- Fuel Surcharge Waiver
Cons
- Slightly high Annual Fee
- No golf/coaching sessions
