Kotak Urbane Gold Credit Card vs AU Small Finance Bank Altura Plus Credit Card

• Avail 3X Reward Points per Rs. 100 spent across all categories
• Pay with Reward Points at selected merchant outlets
• Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
• If the Credit Card is stolen, get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre-reporting 

* Get 1.5% Cashback on POS retail spends at merchant outlets. The maximum cashback per statement cycle is Rs. 100. Do note that you can avail 1 Reward Point per Rs.100 retail spends (except fuel) on POS, after reaching the maximum cashback limit
* Avail 2X Reward Points (i.e. 2 Reward Points per Rs.100 retail spends) for all online transactions
* Milestone Benefit: Earn additional benefit every month by getting 500 Bonus Reward Points when you do Rs. 20,000 retail spends or more in a calendar month
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* 24/7 Concierge Services
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 150 per statement cycle
* Avail various options to redeem Reward Points for amazing benefits that include E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings, and much more. Redeem the Reward Points for FREE
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Pros

• Earn 3X Reward Points against retail spends of Rs.100
• Get 4 PVR tickets or 10,000 Reward Points on annual
• This card is good for those who spend frequently on various categories like retail shopping, groceries, etc. 

Cons

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

Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Earn cashback and rewards points

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits