BOI International Credit Card vs IDFC FIRST Millennia Credit Card

• 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 

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• Avail 10X Reward Points on all transactions above Rs. 20,000
• Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
• Once a month, get a 25% discount on movie tickets up to Rs. 100
• Personal Accident Cover of Rs. 2 Lakh
• Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399
• 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
• 10X Rewards on all spends done on your Birthday

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• The maximum amount of cash that can be withdrawn from ATM is Rs. 15,000 per day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

• Lifetime free credit card
• Complimentary Railway lounge access
• NIL Overlimit fees, NIL Addon charges

Cons

• No milestone benefits
• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• No Airport Lounge Access