Kotak Mahindra Essentia Platinum Card vs American Express Membership Rewards Credit Card

Joining Fees



Editor's Rating



Key Features

  • 10% Savings on Departmental & Grocery Store spends: For every Rs 100 you spend at Departmental & Grocery Stores, earn 10 Saving Points
  • Avail 1 Saving Point for every Rs 250 you spend on other categories without any restrictions
  • Spend Rs. 1, 25,000 every 6 months and get 6 free PVR tickets Or 1200 Reward Points
  • Visa payWave facility is the fasted, safe and secured method of paying. Just wave the Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN
  • Annual Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
  • Redeem Points from the fabulous 18 and 24 Karat Gold Collection
  • Exciting Discounts of up to 20% every time you dine at select restaurants

Editor's Review


  • The Redemption options are Cash, Airline tickets, Movie Tickets, Mobile Recharge, Branded Merchandise
  • 10% cashback on grocery and retail spending


  • Addon card Fees: Rs. 299
  • No complimentary Airport Lounge access


  • Use your American Express Credit Card for your next big purchase & pay in EMI
  • Fuel Convenience Fee Waiver
  • One of the highest point to INR conversion rates in the market


  • No Golf/coaching sessions
  • No complimentary Airport Lounge access
  • High Renewal Fee

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