Kotak Mahindra Essentia Platinum Card vs Standard Chartered Ultimate Card

Joining Fees

₹1,499

₹5,000

Editor's Rating

4.1

4.6

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
  • Get up to Rs. 10,000 cashback on MakeMyTrip
  • Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
  • 5% cashback on duty-free spends  
  • Up to 25% discount at the top 750 restaurants in India
  • Access 20 premier golf courses in India and 150 worldwide
  • Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options

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

  • 2% foreign currency markup* fee on overseas spends
  • Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
  • Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay

Cons

  • High Annual Fee of Rs. 5,000
  • No fee waiver
  • No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)


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