BOI International Credit Card vs IDFC FIRST Classic Credit Card
Joining Fees
₹1,500
₹0
Editor's Rating
4.1
3.3
Key Features
- Affiliation: Mastercard/Visa/Rupay
- The Card is valid in India, Nepal and all foreign centers across the Globe, wherever MASTER logo is displayed
- 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
- Obtain a Gift Voucher of Rs. 500 on spending Rs. 15,000 within 90 days from card issuance
- 5% Cashback on first EMI transaction done within 90 days from card set-up
- 10X Reward Points on all transactions above Rs. 20,000
- 6X Reward Points on Online Spends
- 3X Reward Points on all Offline Spends
- Avail 25% Discount on Movie Tickets with a Maximum of Rs. 100
- 4 complimentary Railway lounge visits every quarter
- Personal Accident Cover worth Rs. 2 Lakh & complimentary lost card liability cover of Rs. 25,000
- Fuel surcharge waiver
- 15% discount at 3,000+ Health and Wellness outlets
Editor's Review
Pros
- 1 complimentary lounge visit per quarter at airport lounges in India for Master Platinum International card
- 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
- The maximum amount of cash that can be withdrawn from ATM is Rs. 15,000 per day
Cons
- No Golf Privileges
Pros
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Free Road Side Assistance(RSA) worth Rs. 1,399
Cons
- No milestone benefits
- Airport Lounge access limited, depends on the bank’s current offers
- Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers
