Kotak Mahindra Essentia Platinum Card vs IDFC FIRST Millennia Credit Card

Joining Fees



Editor's Rating



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
  • Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
  • 5% cashback on making the first EMI transaction made within 90 days of card set-up
  • Avail 10X Reward Points on all transactions above Rs. 20,000
  • Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
  • Once a month, get a 25% discount on movie tickets up to Rs. 100
  • Personal Accident Cover of Rs. 2 Lakh
  • Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
  • Free Road Side Assistance(RSA) worth Rs. 1,399
  • 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
  • 10X Rewards on all spends done on your Birthday

Editor's Review


  • The Redemption options are Cash, Airline tickets, Movie Tickets, Mobile Recharge, Branded Merchandise
  • 10% cashback on grocery and retail spending


  • Addon card Fees: Rs. 299
  • No complimentary Airport Lounge access


  • Lifetime free credit card
  • Complimentary Railway lounge access
  • NIL Overlimit fees, NIL Addon charges


  • No milestone benefits
  • Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
  • No Airport Lounge Access

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