Compare Kotak Mahindra Essentia Platinum Card vs Paytm HDFC Bank Mobile Credit Card

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

Milestone Benefit: By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
First Year Fee will get waived by spending Rs. 1,000 (Non-EMI spends) within the first 30 days
Renewal Year Fee will get waived by spending Rs. 25,000 (Non-EMI spends) in the 12 months period
Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
Avail 1% Cashback on all other Select Paytm Spends
Avail 0.5% Cashback on all other retail transactions
Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
Obtain up to 50 days of interest free credit
Avail up to 20% discount on partner restaurants through Dineout

Pros

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

Cons

Pros

By spending Rs. 10,000 in 3 consecutive months (Non-EMI Spends and Non-Rental Spends) get upgraded to Paytm HDFC Bank Credit Card
Avail 2% Cashback on purchases on Paytm [Mall + Movies + Mini App]
Avail 1% Cashback on all other Select Paytm Spends

Cons