Kotak Mahindra Essentia Platinum Card vs HDFC Bank Platinum Edge Credit Card
Joining Fees
₹1,499
₹0
Editor's Rating
4.1
3.5
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
- Renew the credit card’s membership for free by spending Rs 50,000 in a year
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
- Avail 50% more reward points at premium restaurants
- Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs. 6000 per month)
- Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
- Zero liability on lost card after reporting the loss
- Avail up to 50 interest-free days from date of purchase
- Enjoy Revolving Credit at nominal interest rate
- 50 days of interest-free credit
Editor's Review
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 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
Cons
- No movie benefits
- No golf benefits
- No international and domestic lounge access
