Kotak Mahindra Essentia Platinum Card vs Standard Chartered DigiSmart 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

• Get 20% off at Myntra, 20% discount at Yatra on domestic flights, & 10% discount on your Zomato food orders
• Buy One Get One (BOGO) movie ticket free at INOX
• Get 15% cashback on Ola cabs
• Convert big spends above Rs. 5000 to easy EMI at attractive pricing and flexible tenure options

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

• Get a loan on your credit card up to Rs. 5,00,000. Flexible tenure from 12 to 60 months
• 10% discount on international flights with a maximum discount of Rs. 10,000. 25% discount on domestic hotels with a maximum discount of Rs. 4,000
• Transfer card balance up to Rs. 5 Lakh at an attractive interest rate

Cons

• No Complimentary Airport Lounge access
• No Fuel Surcharge Wavier
• No Golf/coaching sessions