Kotak Delight Platinum Credit Card vs Standard Chartered Ultimate Card

• 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

• Get up to Rs. 10,000 cashback on MakeMyTrip
• Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
• 5% cashback on duty-free spends  
• Up to 25% discount at the top 750 restaurants in India
• Access 20 premier golf courses in India and 150 worldwide
• Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options

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

• 2% foreign currency markup* fee on overseas spends
• Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
• Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay

Cons

• High Annual Fee of Rs. 5,000
• No fee waiver
• No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)