Compare BOI Domestic Credit Card vs Paytm HDFC Bank Business 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

First Year Fee will be waived upon spending Rs. 30,000 within the first 90 days
Renewal Year Fee will be waived upon spending Rs. 50,000 in the 12 months period
Activation Benefit: Avail Rs. 250 worth Gift Voucher upon card activation with 2 transactions in first 30 days
Milestone Benefit: Avail Rs. 500 worth Gift Voucher on spends of Rs. 1 Lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
3% cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App]
2% cashpoints on all other Select Paytm Spends
1% cashpoints on all other Retail Spends
Utility Bill Payments: Simply register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Be assured all utility bills will be paid on time, conveniently and easily
Zero cost liability: If the Card gets lost simply report it immediately to HDFC Bank’s 24-hour call centre. After reporting the loss, the cardholder will have a zero liability on any fraudulent transactions made on its card
1% fuel surcharge waived of on fuel transactions between transactions of Rs. 400 to Rs. 5,000
The card is enabled for contactless payments
Up to 20% discount on partnered restaurants via Dineout
Quick Loan for Business: Check for term loan eligibility on the credit card for business purposes
Avail up to 50 days of interest free credit on the 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