HDFC Bharat Credit Card vs Kotak Delight Platinum Credit Card

• Get 5% monthly cashback by booking tickets through IRCTC
• On Fuel expenses, enjoy savings with 5% monthly cashback
• Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• On Groceries spends, enjoy savings with 5% monthly cashback
• Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase
• Get Revolving Credit at Nominal interest rate
• Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

• A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle
• 10% Cash-Back on Movies
• Fuel Surcharge Waiver
• Railway Surcharge Waiver
• Spend Rs. 1,25,000 every 6 months and avail Four free PVR Tickets or Rs. 750 cash-back

Pros

• Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase

Cons

• No Lounge Access
• No Golf benefits

Pros

• 10% Cash-Back on Dining and Movie spends
• Enjoy maximum eight free PVR tickets or Rs. 1500 cashback every year
• In case Credit Card gets stolen, you can get a cover of Rs. 1,25,000 against fraudulent usage up to 7 days pre-reporting

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge Access
• Joining fee: Rs. 1,999