Kotak Urbane Gold Credit Card vs Axis Bank Kwik RuPay Credit Card

Joining Fees

₹199

₹0

Editor's Rating

4.2

4.5

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 
  • Credit Card on UPI
  • Get 2 EDGE Reward Points on every Rs. 200 spent on domestic and international transactions
  • Get 1% fuel surcharge waiver for fuel spends between Rs. 400 and Rs. 4000
  • Zero joining and Annual Fees
  • Instantly receive a virtual card  on the Kiwi mobile app after getting approved
  • Easily activate the credit card and set up UPI PIN to make UPI transactions

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

  • 2 EDGE Reward Points on every Rs. 200 spent on domestic and international transactions
  • Zero joining and Annual Fees
  • Instantly receive a virtual card  on the Kiwi mobile app after getting approved

Cons

  • No movie benefits
  • No golf benefits
  • No international and domestic lounge access


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