ICICI Bank Platinum Chip Credit Card vs Kotak Urbane Gold 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

• Avail 3X Reward Points per Rs. 100 spent across all categories
• Pay with Reward Points at selected merchant outlets
• Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
• If the Credit Card is stolen, get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre-reporting 

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

• Earn 3X Reward Points against retail spends of Rs.100
• Get 4 PVR tickets or 10,000 Reward Points on annual
• This card is good for those who spend frequently on various categories like retail shopping, groceries, etc. 

Cons

• No Golf Privileges 
• No Concierge Services 
• No Airport Lounge access