Kotak Mahindra Essentia Platinum Card vs HDFC Bank Titanium Edge Credit Card

Joining Fees

₹1,499

₹0

Editor's Rating

4.1

3.9

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 fees: Renew the membership for free by spending Rs. 50,000 in a year
  • Avail 2 reward points for every Rs. 150 spends
  • Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
  • Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
  • Earn 50% more reward points as exclusive dining privileges
  • Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
  • Zero liability on lost card
  • With the EMV Chip technology in the card, stay protected against fraud
  • Avail of 50 days of interest-free period from the date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

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

  • Avail 2 reward points for every Rs. 150 spends
  • Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
  • Earn 50% more reward points as exclusive dining privileges

Cons

  • No golf benefits
  • No insurance benefits
  • No airport lounge access


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