Kotak Delight Platinum Credit Card vs Stable Money Suryoday Bank Credit Card
Joining Fees
₹1,999
₹0
Editor's Rating
4.3
4.6
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
Cashback Benefits
- Earning: 0.5% cashback on all card spends, including UPI transactions
- Capping: Cashback capped at Rs. 3,000 for every statement cycle
Airport Lounge Access
- 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
RuPay Benefits
- RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
- RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program
Insurance Coverage
- Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
- Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders
Fuel Benefit
- Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
- Enjoy exclusive discounts on the RuPay network
RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)
- RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
- RuPay Select Benefits are eligible to be redeemed only once in a year
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
- Hassle-free cashback on all spends, including UPI transactions
- Lifetime free card with up to 8% interest on FD
- Up to 8 free domestic airport lounge visits every year
- Additional lifestyle benefits for RuPay Select cardholders
Cons
- Low value-back rate through cashback earnings
- High FD amount requirement for RuPay Select card variant benefits
- FD must remain until card closure
