Bank of India CELESTIA CREDIT CARD VS Bank of India RUPAY STAR LAKSHMI Credit Card VS BOI RUPAY BHARAT VS BOI RUPAY PLATINUM INTERNATIONAL
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bank of India CELESTIA CREDIT CARD
Bank of India RUPAY STAR LAKSHMI Credit Card
BOI RUPAY BHARAT
BOI RUPAY PLATINUM INTERNATIONAL
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Zero joining fee makes it accessible for first-time credit card users.
Annual fee waived on annual spends of just ₹50,000, easy to achieve.
Fuel surcharge waiver of 1% benefits regular commuters and drivers.
RuPay variant allows seamless UPI integration for everyday payments.
Pros
Key benefits and features.
Excellent wellness and beauty benefits with quarterly O2 Spa and Lakmé Salon vouchers.
Complimentary annual OTT subscription and health check-up add significant lifestyle value.
Quarterly shopping vouchers for Myntra, Flipkart, and Nykaa enhance savings on retail spends.
Complimentary domestic and international lounge access as per RuPay Platinum guidelines.
Zero joining fee and low annual fee of Rs. 500 make it an affordable entry-level card.
Pros
Key benefits and features.
Pros
Key benefits and features.
Enjoy the benefit of no joining or annual fees, making it truly lifetime free.
Benefit from global acceptance with the RuPay Platinum network for international transactions.
Experience competitive finance charges at 1.70% per month, lower than many other cards.
Cons
Key drawbacks and limitations.
High interest rate of 3.35% per month on unpaid balances.
No complimentary domestic or international airport lounge access.
Foreign currency markup of 3.5% makes it costly for international use.
No travel insurance or comprehensive insurance cover provided.
Reward redemption incurs a fee of ₹99 plus taxes.
Cons
Key drawbacks and limitations.
Requires an active savings account with Bank of India, limiting accessibility for non-customers.
Reward earning rate is limited to 2X points with no specific cashback or accelerated categories.
Low insurance cover of Rs. 2 Lakhs compared to other cards in the same segment.
Annual fee is not waived based on spends, making it a fixed cost every year.
Cons
Key drawbacks and limitations.
Cons
Key drawbacks and limitations.
Lacks specific reward programs for categories like movies, dining, or travel benefits.
Standard foreign currency markup of 3.49% and cash advance fees are applicable.
No complimentary lounge access or other premium travel benefits are offered with this card.