Kotak Biz Credit Card vs HDFC Millennia Credit Card

• Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
• Avail 1 reward points for every Rs. 100 on all other spends 
• 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
• Get 1% on transaction fuel surcharge will be waived for transactions made between Rs. 500 - Rs. 3000
• One can also save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
• Travel Insurance programme includes the following:

A. Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)- Sum Insured is Rs. 50,000

B. Purchase Protection - Sum Insured is Rs. 25,000

C. Loss of Checked in Baggage / Delay of Checked in Baggage / Valuable Documents Cover / Missing of Connecting International Flight During Transit - Sum Insured is Rs. 10,000

• Safety features of the card includes being embedded with EMV Chip and setting a 6-digit PIN authentication for higher security of your transactions
• Interest free period: Up to 48 days

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

• Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
• Avail 1 reward points for every Rs. 100 on all other spends 
• 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports

Cons

• No dinning or movie benefits
• No Golf Benefits
• No cashback benefits

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits