Kotak Best Price Credit Card vs Visa Business Card Platinum – Standard Chartered

• 14-day Credit Cycle that starts afresh on every transaction 
• Make purchases at the Best Price Modern Wholesale store with the two free Add-On cards
• No Joining Fees
• Track spends separately for each of the Add-on Card(s)

• Earn 3X Rewards Points on every IDR10,000 transaction above IDR10 million transactions per month. For transactions below IDR10 million, earn 1 point
• Every IDR 10,000 spend = 3X Rewards Points for every IDR10,000 transaction above IDR10 million transactions per month. Earn 1 point for transactions below IDR10 million
• Annual Fee: Primary: IDR 750.000,-/year and Supplementary: IDR 375.000/year
• Minimum repayments: 10% of monthly billing statement or IDR 50,000 (whichever is higher)
• 5% cash back for travel transaction when using Platinum Business Card for a maximum of IDR 2 million on travel transactions per month

Pros

• No Joining Fee
• A good Business card
• It’s a wholesale card

Cons

• No complimentary Golf lessons/green and no complimentary Airport Lounge access
• No travel and shopping related benefits
• No Reward Points  

Pros

• Enjoy 5% cashback for your travel transaction
• Free Annual Fee for 1st Year

Cons

• No complimentary Golf/coaching sessions
• No Complimentary Airport Lounge Access
• No Fuel Wavier