Kotak Mahindra Essentia Platinum Card vs Kotak Delight Platinum Credit Card

Joining Fees

₹1,499

₹1,999

Editor's Rating

4.1

4.3

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
  • A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle
  • 10% Cash-Back on Movies
  • Fuel Surcharge Waiver
  • Railway Surcharge Waiver
  • Spend Rs. 1,25,000 every 6 months and avail Four free PVR Tickets or Rs. 750 cash-back

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

  • 10% Cash-Back on Dining and Movie spends
  • Enjoy maximum eight free PVR tickets or Rs. 1500 cashback every year
  • In case Credit Card gets stolen, you can get a cover of Rs. 1,25,000 against fraudulent usage up to 7 days pre-reporting

Cons

  • No Golf/coaching sessions
  • No complimentary Airport Lounge Access
  • Joining fee: Rs. 1,999


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