Kotak Mahindra Essentia Platinum Card vs HDFC Bank Freedom 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

• Get 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
• Get 5X CashPoints on EMI spends at merchant locations. Do note a maximum of 2,500 CashPoints can be earned in a calendar month 
• Earn 1 CashPoint for every Rs. 150  on other spends  
• Get up to 20% discount on partnered restaurants via Swiggy Dineout
•  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• Avail up to 50 days of interest-free period
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program
• Get up to 20% savings on all restaurant bill payments via Swiggy Dineout, which consists of 20k + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions. This is applicable for minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Get 500 CashPoints- this is applicable only on payment of membership fee
• Get the renewal membership fee waived by spending Rs. 50,000 and above in an annual year
• Convert your big spends into EMI after purchase
• The Credit Card is enabled for contactless payments
• Spend Rs. 50,000 or more in a year, before the Credit Card renewal date to get renewal fee waived off 

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 10X CashPoints on your favourite merchants such as Big Basket, BookMyshow, OYO, Swiggy, and Uber
• Get 5X CashPoints on EMI spends at merchant locations, and 1 CashPoint for every Rs. 150  on other spends  
•  Rupay Credit Cardholders can earn 1 RP for every Rs. 150 spent on UPI transactions

Cons

• No golf benefits are provided
• No international and domestic airport lounge access
• No rewards