BOI International Credit Card vs Kotak Biz Credit Card
Joining Fees
₹1,500
₹299
Editor's Rating
4.1
3.5
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
- Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
- Avail 1 reward points for every Rs. 100 on all other spends
- 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
- Get 1% on transaction fuel surcharge will be waived for transactions made between Rs. 500 - Rs. 3000
- One can also save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
- Travel Insurance programme includes the following:
A. Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)- Sum Insured is Rs. 50,000
B. Purchase Protection - Sum Insured is Rs. 25,000
C. Loss of Checked in Baggage / Delay of Checked in Baggage / Valuable Documents Cover / Missing of Connecting International Flight During Transit - Sum Insured is Rs. 10,000
- Safety features of the card includes being embedded with EMV Chip and setting a 6-digit PIN authentication for higher security of your transactions
- Interest free period: Up to 48 days
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- The maximum amount of cash that can be withdrawn from ATM is Rs. 15,000 per day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
- Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
- Avail 1 reward points for every Rs. 100 on all other spends
- 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports
Cons
- No dinning or movie benefits
- No Golf Benefits
- No cashback benefits
