Kotak Urbane Gold Credit Card vs AXIS Bank IOCL Rupay Credit Card
Joining Fees
₹199
₹500
Editor's Rating
4.2
3.9
Key Features
- 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
- 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
- Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
- Earn Reward Points on UPI Payments by linking the card to UPI
- 20 reward points per Rs. 100 on fuel spends on IOC Terminal
- 5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
- 1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
- 1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
- Annual Fee waived off if spends more than Rs. 50000 per year
- 10% instant discount for movie ticket booked via BookMyshow website
- Enjoy up to 15% Discount on partner Restaurants via EazyDiner
Editor's Review
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
- 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
- Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
- 20 reward points per Rs. 100 on fuel spends on IOC Terminal
Cons
- No International Airport Lounge access
- No Golf benefits
- No travel miles benefits
