Kotak Urbane Gold Credit Card vs Axis Bank Reserve Credit Card

Joining Fees



Editor's Rating



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 
  • Complimentary airport concierge services and complimentary luxury airport transfers
  • Air accident cover: Rs.450 Lakhs
  • Concessions on health and wellness coaching at Weljii
  • Exclusive offers at Oberoi hotels and resorts

Editor's Review


  • 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. 


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


  • Fuel Surcharge Waiver
  • Handcrafted Club Marriott Asia Pacific Membership
  • Exclusive offers at Oberoi Hotels and Resorts


  • High Joining and Annual Fees

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