HDFC Bank UPI RuPay Credit Card vs Kotak Mahindra Essentia Platinum Card
Joining Fees
₹250
₹1,499
Editor's Rating
3.5
4.1
Key Features
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards
- 10% Savings on Departmental & Grocery Store spends: For every Rs 100 you spend at Departmental & Grocery Stores, earn 10 Saving Points
- Avail 1 Saving Point for every Rs 250 you spend on other categories without any restrictions
- Spend Rs. 1, 25,000 every 6 months and get 6 free PVR tickets Or 1200 Reward Points
- Visa payWave facility is the fasted, safe and secured method of paying. Just wave the Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN
Editor's Review
Pros
* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends
Cons
* No Golf benefits
* No airport lounge access
* No fuel benefits
Pros
- The Redemption options are Cash, Airline tickets, Movie Tickets, Mobile Recharge, Branded Merchandise
- 10% cashback on grocery and retail spending
Cons
- Addon card Fees: Rs. 299
- No complimentary Airport Lounge access
