ICICI Bank Platinum Chip Credit Card vs AU Small Finance Bank Zenith Credit Card

• Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel. Redeem the points to avail attractive products on ICICI Bank Rewards platform
• Avail 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
• Redeeming ICICI Bank Rewards Points is easy and it allows you to indulge in the finer things life has to offer. From movie and travel vouchers to lifestyle products, ICICI Bank Reward Points offer a diverse range of options for redemption
• 1% fuel surcharge waiver on fuel transactions of maximum Rs. 4,000 at HPCL pumps
• Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas. Moreover, when traveling abroad, use the dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have
• Mastercard Offers: Mastercard Priceless Specials is an exclusive program specially created for Mastercard cardholders. This program has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders

* Gain 20 Reward Points per Rs.100 retail spends done on Dining at standalone restaurants
* Earn 10 Reward Points per Rs.100 retail spends done on International transactions, Grocery and Departmental stores
* Avail 5 Reward Points per Rs.100 retail spends done across all other merchant categories
* Quarterly Milestone Benefits: Get Rs. 1,000 vouchers on minimum Rs. 2 lakh retail spends that’s done per calendar quarter. Choose vouchers from a bouquet of top brands
* Yearly Milestone Benefits: Avail complimentary Epicure Membership of doing minimum Rs. 8 lakh retail spends in a card anniversary year
* Enjoy lower International foreign mark-up fees of 1.99% on International transactions
* Birthday Benefit: Get 2,500 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 2 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 4 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

Pros

• Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel, and 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
• 1% fuel surcharge waiver on fuel transactions
• Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas
• Mastercard Offers: Mastercard Priceless Specials is an exclusive program that has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders

Cons

• No International Airport Lounge access
• No Golf benefits
• No travel miles benefits

Pros
* Get Air Accident Cover of up to Rs. 2 Crore, Card Liability Cover, get protected against Card Counterfeit/Skimming/Online frauds, and Credit Shield of up to Rs. 5 Lakhs
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Cons
* No golf privileges
* No Airmiles