Kotak Mahindra Essentia Platinum Card vs Axis Bank Ace Credit Card

• 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

• Spend Rs. 2 lakh or more in a year to avail the annual fee waiver
• Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay
• Get 4% cashback on Ola, Zomato, and Swiggy
• Get 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge access per calendar year
• Avail a 1% fuel surcharge waiver on fuel purchases at all fuel stations in India. This is valid on transactions between Rs. 400 to Rs. 4000
• Get up to 15% off at 4000+ partnered restaurants in India
• Easily convert transactions of Rs. 2,500 or more into EMI

Pros

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

Cons

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

Pros

• Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay, and 4% cashback on Ola, Zomato, and Swiggy
• Get 1.5% cashback on all other spends
• 4 complimentary domestic airport lounge access per calendar year

Cons

• No rewards benefits
• No golf and movie benefits
• No international lounge access