Kotak Mahindra Essentia Platinum Card vs HDFC Regalia Credit Card
Joining Fees
₹1,499
₹2,500
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
- Airport Lounge Access within and outside India
- Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities.
- On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150.
- Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs.
- Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency
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
- Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
- Accidental air death cover worth Rs. 1 Crore
- Fuel Surcharge Waiver
Cons
- Slightly high Annual Fee
- No golf/coaching sessions
