Kotak Urbane Gold Credit Card vs BOB Financial Select
VS
Fees
Kotak Mahindra Bank
Bank of Baroda
Joining Fees
₹199
₹750
Renewal Fees
₹199
₹750
Network
Visa
Mastercard
Editor's Review
4.2
4.3
Free Lounge Access
No
No
Features
Kotak Urbane Gold 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
BOB Financial Select
- 5X rewards on Dining, Utility bills, Online spends; 1x on others
- 1,000 bonus rewards points every month
- Zero Fuel Surcharge
- Zero Annual Fees basis card usage
Editor's Review
Kotak Urbane Gold Credit Card
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
BOB Financial Select
Pros
- Easy EMI Option
- Multiple redemption options
- In-built insurance cover
Cons
- No Golf Privileges
- No Airport Lounge access
