BOI SwaDhan Rupay Platinum vs Airtel Axis Credit Card

• SwaDhan Rupay Platinum Credit Card is issued against TDR
• The Card is valid in India, Nepal and all foreign centers across the Globe, wherever Rupay 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 

• As a Welcome Benefit, get an Amazon eVoucher worth Rs 500 on the first transaction using the Airtel Axis credit card within 30 days of card issuance
• Earn 25% Cashback on Airtel Mobile, Broadband, DTH and WiFi bill Payments via Airtel Thanks app
• Earn 10% Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app
• Earn 10% Cashback on Swiggy, Zomato and BigBasket 
• Get 1% Cashback on all other spends
• 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs. 50,000 in previous 3 months
• 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. This is valid on transactions between Rs. 400 to Rs. 4000
• Enjoy up to 15% off at partnered restaurants via EazyDiner
• Convert transactions of Rs. 2500 or more into easy EMI
• Get annual fee waived off on annual spends greater than Rs. 2,00,000

Pros

• Redeem StarPoints to get free gifts, merchandise and services from BOI redemption platform. The platform of free gifts, merchandise and services includes: Airline tickets, Personalized products, Bus tickets, Movie tickets, Entertainment products, Electronic items, Family, Home, Fashion & Beauty products, Music and Sports products, and Limited-time Seasonal Rewardz, etc
• Interest free credit for up to 51 days and revolving credit at preferential rate
• EMI at POS facility available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of Bank

Cons

• No Golf Privileges 
• No Airport Lounge access 

Pros

• Earn 25% Cashback on Airtel Mobile, Broadband, DTH and WiFi bill Payments via Airtel Thanks app
• Earn 10% Cashback on Utility Bill Payments via Airtel Thanks app
• Earn 10% Cashback on Swiggy, Zomato and BigBasket

Cons

• No golf benefits
• No international airport lounge access / movie benefits