Kotak Silk Inspire Credit Card vs BOB Financial Easy

• Avail 5x  Reward Points on every Rs. 100 spent on Apparels
• Pay with Reward Points at selected merchant outlets
• Spend Rs. 1, 25,000 every 6 months and avail 4 free PVR tickets or 1000 reward points
• Avail 1 reward for every Rs. 200 spent on other categories without any restrictions 

• Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
• Avail 1 reward point for every Rs. 100 spent on other categories
• Avail 0.5% of the card bill payment as cash-back in the next statement
• Spend  Rs. 6,000 within 60 days and  Rs. 35,000 in a year for reversal/waiver of annual fees
• 1% fuel surcharge waived for fuel transactions between  Rs. 400 -  Rs. 5,000 (Max. waiver of Rs. 250 per month)
• Redeem the earned reward points as cash-back and other exciting options
• Convert purchases of more than  Rs. 2,500 on the card into easy EMIs of 6/12 months
• 3 lifetime free add-on cards
• Free Personal Accidental Death Cover
• Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
• Avail 50 days of interest free credit from the date of any purchase
• Pay Minimum Amount Due and finance your spends as per your convenience

Pros

• 5% savings on apparels
• Get 1 Reward Point for every Rs.200 spent on other categories
• Silk Inspired Shield

Cons

• No Golf Privileges 
• No Concierge Services 
• No Airport Lounge access 

Pros

• Easy EMI Option
• First year Fee: Spend 6,000 on the card within 60 days for fee reversal
• Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
  
  Cons

• No golf privileges
• No airport lounge access