Compare BOI Domestic Credit Card vs Kotak 811 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

Earn 2 reward points for every Rs. 100 spent online
Earn 1 reward points for every Rs. 100 spent offline
Milestone Spends Benefit: In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
Avail 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Do note that fuel transactions are not eligible to earn any Reward points
Railway Surcharge Waiver: Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
Add-on Card will have all the benefits that the cardholder enjoys on its Card
This card is embedded with EMV Chip that adds additional level of security. You can set 6-digit PIN for authentication for higher security of your transactions
Redeem reward points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, movies (BookMyShow Vouchers), travel and many more

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

Pros

Earn 2 reward points for every Rs. 100 spent online, and 1 reward points for every Rs. 100 spent offline
In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
Railway Surcharge Waiver

Cons