BOI Domestic Credit Card vs Klick RuPay 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 

• Zero Joining Fees and Annual Fees
• 1% Fuel Surcharge Waiver
• Earn 2 YES Rewardz Points for every Rs. 200 spent on eligible non-UPI transactions
• Get rewarded for all your non-UPI transactions
• Earn reward on non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates
• Get a loan amount within the card limit to fulfil immediate fund requirements
• Enjoy secure digital payments through a 100% virtual RuPay credit card; no physical card is issued
• Convert eligible transactions of Rs. 1,500 or more into EMIs through the Instant EMI facility
• Eligible cardholders can obtain a Quick Loan within their available credit limit
• Set up recurring payments for bills and subscriptions through YES PayNow and the e-mandate facility
• Existing YES BANK credit-card holders are not eligible for the Klick Credit Card

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:

• Lifetime Free Credit Card
• 2 Rewards for every Rs. 200 non-UPI spends
• Convert payments into EMI with on-call service at attractive interest rates

Cons:

• No international or domestic lounge access
• No Golf Benefits
• No Movies and Entertainment, and Dining Benefits