BOI RuPay Select Credit Card vs BOI RuPay Star Lakshmi Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: BOI RuPay Select Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: BOI RuPay Select Credit Card (₹800/yr) vs BOI RuPay Star Lakshmi Credit Card (₹500/yr).
- Base Reward Rate: BOI RuPay Select Credit Card (2 pts/₹100) vs BOI RuPay Star Lakshmi Credit Card (1 pts/₹100).
- Lounge Access: BOI RuPay Select Credit Card (8 dom) vs BOI RuPay Star Lakshmi Credit Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1Bank of India · fee ₹800
2Bank of India · fee ₹500
Smart verdict
Get the BOI RuPay Select Credit Card — it earns you +₹1,200/yr over the BOI RuPay Star Lakshmi Credit Card, mostly from your rent spend.
How Your Spends Convert to Rewards
Live calculation breakdown for BOI RuPay Select Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 2 Pts / ₹100 | 120 pts1,440 pts/yr | ₹30 | ₹360/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 2 Pts / ₹100 | 70 pts840 pts/yr | ₹18 | ₹210/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 2 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 2 Pts / ₹100 | 100 pts1,200 pts/yr | ₹25 | ₹300/yr | Active Earn |
Groceries | ₹7,000/mo | 2 Pts / ₹100 | 140 pts1,680 pts/yr | ₹35 | ₹420/yr | Active Earn |
Fuel | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Rent | ₹10,000/mo | 2 Pts / ₹100 | 200 pts2,400 pts/yr | ₹50 | ₹600/yr | Active Earn |
Insurance | ₹1,500/mo | 2 Pts / ₹100 | 30 pts360 pts/yr | ₹8 | ₹90/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | BOI RuPay Select Credit CardBank of India | BOI RuPay Star Lakshmi Credit CardBank of India |
|---|---|---|
| Joining fee | Nil | Nil |
| Annual fee | ₹800/yr | ₹500/yr |
| Fee waiver | No waiver | No waiver |
| Base reward | 2 pts / ₹100 | 1 pts / ₹100 |
| Top reward categories | Base rate only | Base rate only |
| Redemption friction | Moderate | Moderate |
| Point expiry | Never expire | Never expire |
| Lounge access | 8 dom · 2 intl | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | None | None |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official Bank of India Credit Card Page |
Verdict at a Glance
Choose BOI RuPay Select Credit Card if your monthly spending is focused on general categories.
Choose BOI RuPay Star Lakshmi Credit Card if you spend heavily on travel & shopping.
BOI RuPay Select Credit Card vs BOI RuPay Star Lakshmi Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
BOI RuPay Select Credit Card
At ₹25,000/month, BOI RuPay Select Credit Card nets ₹700/yr vs BOI RuPay Star Lakshmi Credit Card at ₹250/yr — a ₹450 edge.
BOI RuPay Select Credit Card
At ₹50,000/month, BOI RuPay Select Credit Card nets ₹2,200/yr vs BOI RuPay Star Lakshmi Credit Card at ₹1,000/yr — a ₹1,200 edge.
BOI RuPay Select Credit Card
At ₹1,00,000/month, BOI RuPay Select Credit Card nets ₹5,200/yr vs BOI RuPay Star Lakshmi Credit Card at ₹2,500/yr — a ₹2,700 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, BOI RuPay Select Credit Card or BOI RuPay Star Lakshmi Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), BOI RuPay Select Credit Card comes out ahead by about ₹1,200 per year, driven mostly by rent spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, BOI RuPay Select Credit Card or BOI RuPay Star Lakshmi Credit Card?▼
BOI RuPay Select Credit Card earns 2 pts/₹100 as a base, while BOI RuPay Star Lakshmi Credit Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for BOI RuPay Select Credit Card and BOI RuPay Star Lakshmi Credit Card?▼
BOI RuPay Select Credit Card: ₹800 + GST per year. BOI RuPay Star Lakshmi Credit Card: ₹500 + GST per year.
Do BOI RuPay Select Credit Card and BOI RuPay Star Lakshmi Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. BOI RuPay Select Credit Card excludes none noted; BOI RuPay Star Lakshmi Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is BOI RuPay Star Lakshmi Credit Card ever the better pick over BOI RuPay Select Credit Card?▼
Within a normal spend range at ₹50,000/month, BOI RuPay Select Credit Card stays ahead. BOI RuPay Star Lakshmi Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.