Kotak Urbane Gold Credit Card vs Axis Bank Select Credit Card
Joining Fees
₹199
₹3,000
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
- Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website. This is applicable once per month per user
- Flat Rs. 200 off on Swiggy mobile app/website. Valid twice a month on minimum transaction of Rs. 1000 per order
- 12 complimentary International Airport Lounge access via Priority Pass Membership
- 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
- Do note that the Priority Pass will renew automatically when you have met Rs. 3 lakhs spends in preceding card anniversary year
- 6 complimentary golf rounds per year. Unlock 6 additional visits by spending Rs. 3 lakhs annually
- Annual benefits: Priority Pass Membership renewal on annual spend of 3 Lakh. Renewal of offers on BigBasket and Swiggy
- Get 5000 EDGE points on spending Rs. 3 Lakhs in a card anniversary year
- Complete annual fee waiver on spending Rs. 8 Lakhs in a card anniversary year
- Get 10 Axis EDGE points on every Rs. 200 spends
- Get 2X per Rs. 200 on ‘Retail Shopping’ spends
- Avail 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month. For transactions done above Rs. 20,000 per months earn 10 EDGE REWARD Points
- Explore curated experiences from across the world with Extraordinary Weekends
- 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month.
- Rs. 800 off and more via Axis Bank Dining Delight Program with EazyDiner
- Purchase protection up to Rs. 1 Lakh
- Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover
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
- Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website
- 12 complimentary International Airport Lounge access via Priority Pass Membership
- 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
Cons
- High interest rate
- High joining/renewal fee
