HDFC Bank Visa Signature Credit Card vs Kotak Privy League Signature Credit Card
Joining Fees
₹0
₹0
Editor's Rating
3.25
4.2
Key Features
- Annual fees: Get the first-year’s membership free by spending Rs. 15,000 within the first 90 days
- Renew the membership for free by spending Rs. 75,000 in a year
- Enjoy the comfort of over 600 global airport
- Earn 2 reward points for every Rs. 150 spends
- Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)
- Get up to three add-on cards free for your family
- With the EMV Chip technology in the card, stay protected against fraud
- Zero liability on lost card
- Avail 50 days of interest-free credit from the date of purchase
- Enjoy Revolving Credit at nominal interest rate
- Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card
- Rewards program (Paid Card): For every Rs. 100 spent, earn 5X reward points for special categories and 2X on other retail spends: Shopper’s Plan- Get 5X Reward Points on select categories like apparels, grocery, consumer durable, multi-brand online and, departmental stores. Traveller’s Plan- Get 5X Reward Points on select categories like airlines, hotels, duty-free, international spends and travel agencies
- Rewards program (Free Card): For every Rs. 100 spent, earn 5X reward points for special categories and 2X on other retail spends: Shopper’s Plan- Get 5X Reward Points on select categories like apparels, jewellery, consumer durable, restaurants, departmental stores. Traveller’s Plan- Get 5X Reward Points on select categories like airlines, hotels, restaurants, international spends and travel agencies
- Once the individual accumulates reward points, it can redeem them from a range of redemption options like air tickets, 10 000 merchandise, mobile recharge and more through easyrewardz by converting Privy League Credit Card points into easy points
- Convert any purchase above Rs.2500 to easy EMIs
Editor's Review
Pros
- Enjoy the comfort of over 600 global airport
- Earn 2 reward points for every Rs. 150 spends
- Save up to Rs. 8300 on lounge access by getting complimentary Priority Pass membership worth $99 and fuel costs every year (assuming Rs. 6,000 on fuel per month)
Cons
- No golf benefits
- No insurance benefits
- No cashback offers
Pros
- 4 complimentary Priority Pass visits, 16 PVR tickets and much more
- Low forex markup fees of 2% for all your international spends
- Get up to 30,000 bonus reward points on annual retail spends of Rs. 8 Lakhs
Cons
- No Golf Privileges
