BOI Domestic Credit Card vs Reliance SBI 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 

• Milestone Benefits include getting a waiver of renewal fees on annual spends on Reliance Retail outlet of Rs. 1 Lakh in the previous year. Get Rs. 500 worth Reliance Retail Voucher on Annual Spends of Rs. 25,000 at participating Reliance Retail Stores, Rs. 750 worth Reliance Retail Voucher on Annual Spends of Rs. 50,000 at participating Reliance Retail Stores, and Rs. 1,000 worth Reliance Retail Voucher on Annual Spends of Rs. 80,000 at participating Reliance Retail Stores
• Get 5 Reward Points per Rs. 100 spent on the participating Reliance Retail Stores (except on UPI payments) and (subject to the Reliance Retail Stores MIDs received from partner and mapped in SBIC system)
• Get 5 Reward Points per Rs. 100 spent on Dinning and Movies
• Get 1 Reward Points per Rs. 100 spent on other retail purchases (except fuel, property rental, wallet upload) 
• Avail 1% surcharge at all petrol pumps for transactions between Rs. 500 and Rs. 4,000
• Other Benefits: Transactions offers at participating Reliance Retail Stores. Redeem the Rewards Points against Reliance Retail Vouchers
• Reliance SBI Card SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
• Transfer outstanding balance of other banks’ credit cards to Reliance SBI Card, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay

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

• 5 Reward Points per Rs. 100 spent on Dinning and Movies
• Get 1 Reward Points per Rs. 100 spent on other retail purchases
• Milestone Benefits

Cons

• Mostly Reliance SBI Card is mainly beneficial for those who make regular purchases from Reliance stores
• No golf or cashback benefits
• No airport lounge access