HDFC Bank UPI RuPay Credit Card vs Metro Kotak Bank Credit Card

Joining Fees

₹250

₹0

Editor's Rating

3.5

3.65

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

  • Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
  • Cashback Structure is as follows:

a. Monthly Minimum spend slabs

b. Rs. 10,001 to Rs. 30,000 Spends - 0.25% Cashback

c. Rs. 30,001 to Rs. 5 Lakh - 0.50 % Cashback

d. > Above Rs. 5 Lakh - 1% Cashback

  • Credit Free Period of 48 Days
  • Rupay Contactless provides a quick, safe, and secure way to pay. Just tap the Metro Kotak Bank Credit Card and pay for transactions up to Rs. 5000 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

  • Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
  • Activation benefit of up to Rs. 500 cashback on the first swipe
  • For spends done between Rs. 10,001 to Rs. 30,000 get 0.25% Cashback and for spends Rs. 30,001 to Rs. 5 Lakh get 0.50 % Cashback

Cons

  • No International or Domestic Airport Lounge access
  • No golf or fuel benefits
  • No rewards or other travel related benefits


More comparisions with HDFC Bank UPI RuPay Credit Card

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