Kotak Delight Platinum Credit Card vs IDFC FIRST Select Credit Card
Joining Fees
₹1,999
₹0
Editor's Rating
4.3
2.75
Key Features
- A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle
- 10% Cash-Back on Movies
- Fuel Surcharge Waiver
- Railway Surcharge Waiver
- Spend Rs. 1,25,000 every 6 months and avail Four free PVR Tickets or Rs. 750 cash-back
- Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback on making the first EMI transaction made within 90 days of card set-up
- 10X Reward Points on purchases greater than Rs.20,000
- 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
- 4 complimentary domestic lounge access per quarter
- 4 complimentary Railway lounge access every quarter
- Low foreign exchange mark-up fee of 1.99%
- 20% discount on 1500+ Restaurants
- 15% discount on 3000+ Health & Wellness Outlets
- Free Road Side Assistance(RSA) worth Rs. 1,399
Editor's Review
Pros
- 10% Cash-Back on Dining and Movie spends
- Enjoy maximum eight free PVR tickets or Rs. 1500 cashback every year
- In case Credit Card gets stolen, you can get a cover of Rs. 1,25,000 against fraudulent usage up to 7 days pre-reporting
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge Access
- Joining fee: Rs. 1,999
Pros
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Comprehensive Travel Insurance Cover of Rs. 22,500
Cons
- Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
- Interest-free cash withdrawal available for 48 days only
- The dining benefits provided by the card are satisfactory but not that great
