HDFC Bharat Credit Card vs Kotak Delight Platinum Credit Card

Joining Fees

₹500

₹1,999

Editor's Rating

3.3

4.3

Key Features

  • 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

Editor's Review

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


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