Kotak Mahindra Essentia Platinum Card vs HSBC Cashback Credit Card
Joining Fees
₹1,499
₹999
Editor's Rating
4.1
3.1
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
- Make transactions of a minimum of Rs. 10000 within first 30 days to avail Amazon vouchers (worth Rs. 1000)
- Win an Amazon e-gift voucher- Complete the online credit card application and Video KYC to win Amazon e-gift voucher (worth Rs. 250)
- Annual membership fees Rs. 999 (will be reversed if total annual spend exceeds Rs. 200,000
- 10% accelerated cashback on all dining, food delivery and grocery spends
- 1.5% unlimited cashback on all other spends (exclusions apply)
- 4 complimentary domestic lounge visits per year (1 per quarter)
- Buy-one-get-one-free movie tickets on Saturdays (Up to Rs 250)
- Zero liability for lost cards
- Insurance benefits
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
* Win an Amazon e-gift voucher
* Buy-one-get-one-free movie tickets on Saturdays
* Insurance benefits
Cons
* No golf/coaching sessions
* No fuel benefits
