Kotak Mahindra Essentia Platinum Card vs HDFC Bank MoneyBack+ 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

• Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
• Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations
• Get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
• Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
• Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
• For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• You can enjoy an interest-free period of up to 50 days from the date of your purchase
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program 
• Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
• Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
• Convert your big spends into EMI after purchase
• The card is enabled for contactless payments

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 Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter

Cons

• No golf benefits are provided
• No airport lounge access