Kotak Silk Inspire Credit Card vs HDFC Bank Titanium Edge Credit Card

• 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 

• Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
• Avail 2 reward points for every Rs. 150 spends
• Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
• Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
• Earn 50% more reward points as exclusive dining privileges
• Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
• Zero liability on lost card
• With the EMV Chip technology in the card, stay protected against fraud
• Avail of 50 days of interest-free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

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

• Avail 2 reward points for every Rs. 150 spends
• Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
• Earn 50% more reward points as exclusive dining privileges

Cons

• No golf benefits
• No insurance benefits
• No airport lounge access