Kotak 811 Credit Card vs RBL Bank Platinum Plus SuperCard

• Earn 2 reward points for every Rs. 100 spent online
• Earn 1 reward points for every Rs. 100 spent offline
• Milestone Spends Benefit: In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
• Avail 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Do note that fuel transactions are not eligible to earn any Reward points
• Railway Surcharge Waiver: Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
• Add-on Card will have all the benefits that the cardholder enjoys on its Card
• This card is embedded with EMV Chip that adds additional level of security. You can set 6-digit PIN for authentication for higher security of your transactions
• Redeem reward points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, movies (BookMyShow Vouchers), travel and many more

* Avail fuel surcharge waiver up to Rs. 100 per month
* Avail 1 Reward Points per Rs. 100 that you spend on all you desire and like
* Avail 2X Reward Points on online spends, except for online purchases made on Education, Insurance, Utilities, including Bills2Pay, and Wallet Load. The maximum cap is 1,000 Reward Points
* In a year, spend Rs. 1,50,000 and get up to 10,000 Reward Points. Redeem these points at www.rblrewards.com/SuperCard for a range of gift vouchers/hotel stays/air tickets etc.
* Enjoy the BookMyShow Offer: Get 1 + 1 BookMyShow offer on movie tickets, up to Rs. 200 on any one day during the month. This is applicable only on a weekday
* 2 complimentary domestic airport lounges access in India in a year. The maximum limit is 1 complimentary airport lounge access in a quarter
* 24 x 7 Concierge Help Desk
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to RBL Bank Platinum Plus SuperCard at lower interest rates and convert it into EMIs

Pros

• Earn 2 reward points for every Rs. 100 spent online, and 1 reward points for every Rs. 100 spent offline
• In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
• Railway Surcharge Waiver

Cons

• No dinning benefits
• No Golf Benefits
• No Airport Lounge Access

Pros
* Annual Rewards worth Rs. 5000 +
* Complimentary Lounge Access
* Rewards on all spends

Cons
* No golf complimentary benefits
* No airmiles
* No cashback offers