HDFC Bank Platinum Plus Credit Card vs Kotak 811 Credit Card
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Fees
HDFC Bank
Kotak Mahindra Bank
Joining Fees
₹500
₹500
Renewal Fees
₹500
₹500
Network
Mastercard
Visa
Editor's Review
2.5
3
Free Lounge Access
No
No
Features
HDFC Bank Platinum Plus Credit Card
- Get 2 reward points for every Rs. 150 spent
- Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
- Avail up to three add-on cards for free
- With the EMV Chip technology in the card, stay protected against fraud
- Zero liability on lost card if reported immediately
- 50 days of interest-free credit
- Pay utility and phone bills with ease by registering the card for SmartPay
Kotak 811 Credit Card
- Earn 2 reward points for every Rs. 100 spent online
- Earn 1 reward points for every Rs. 100 spent offline
- Milestone Spends Benefit: In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
- Avail 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Do note that fuel transactions are not eligible to earn any Reward points
- Railway Surcharge Waiver: Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
- Add-on Card will have all the benefits that the cardholder enjoys on its Card
- This card is embedded with EMV Chip that adds additional level of security. You can set 6-digit PIN for authentication for higher security of your transactions
- Redeem reward points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, movies (BookMyShow Vouchers), travel and many more
Editor's Review
HDFC Bank Platinum Plus Credit Card
Pros
- 2 reward points for every Rs. 150 spent
- Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
- Zero liability on lost card if reported immediately
Cons
- No golf benefits
- No fuel benefits
- No airport lounge access
Kotak 811 Credit Card
Pros
- Earn 2 reward points for every Rs. 100 spent online, and 1 reward points for every Rs. 100 spent offline
- In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
- Railway Surcharge Waiver
Cons
- No dinning benefits
- No Golf Benefits
- No Airport Lounge Access
