No hype.No push selling by great Direct Selling Agents(DSA).No glossy web portal.No fear from the Recovery Agent goons.No tension from Late Payment charge.No phone calls for "attractive loans" or insurance.Full of good "no-s".
I am not sure about their redemption scheme.Can someone highlight on this issue? This is incidentally my first credit card.The best part is that for the standard type of cards the joining fee is zero as well as the annual fee.There is no hidden cost. Earlier days there was no photo option. Now they have incorporated it. It is accepted by all merchant establishments without any hassle.e-shopping or on-line booking is also no problem.
But I wish if there could be a website to review the transaction. For some unknown reason the card products department of BOI is silent on this very important issue. They must keep themselves in tune with the good things at least. You have to wait till the hard copy of the monthly bill is delivered to your doorstep. And if you miss any, you are blind and only left with the option of viewing the account statement to know the transactions. But surprisingly, I have not come across any single instance where there is any discrepancy found. One misconception about this card this that the account deduction is only an optional feature that most people opt for. You may also pay the bill through cheque or net banking with BOI.