BOI Domestic Credit Card vs IndianOil Citi Platinum 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 

• 4 Turbo points / Rs. 150 spent & 1% fuel surcharge reversal on fuel purchase at authorized IndianOil outlets
• 2 Turbo points / Rs. 150 spent on groceries and supermarkets & 1 Turbo point / Rs. 150 on all other spends
• Get Deals and Discounts locally and in over 90 countries
• Instant loans to get things done right away
• Save up to 20% on dining bills at participating restaurants

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

• Choose to redeem points now or later – it's a choice you have because the Turbo points will never expire
• Get 250 Turbo Points on your first spend within 30 days of card issuance
• Redeem points instantly via SMS against purchases at leading brands

Cons

• No complimentary Airport Lounge access
• Fuel points are applicable only for Indian Oil fuel stations
• No cash-back options