Kotak Mahindra Essentia Platinum Card vs HDFC Millennia Credit Card
Joining Fees
₹1,499
₹1,000
Editor's Rating
4.1
4
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
- Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
- Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- Avail 1% cashback on all other spends
- Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
- Up to 20% discount on partnered restaurants via Swiggy Dineout
- Zero lost card liability
- Up to 50 days of interest-free period from the date of purchase
- Revolving Credit is available at a nominal interest rate
- Enjoy amazing dining benefits with the Good Food Trail program
- Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
- Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
- 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000
- Convert big spends into EMI after purchase
- This card is equipped with contactless payment technology for added convenience and speed
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 7% Reward points on every Shoppers Stop spends
- Get 2% Reward points on every Non-Shoppers Stop spends
- Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500
Cons
- No golf/coaching sessions
- No proper lounge access benefits
