Kotak Urbane Gold Credit Card vs Citi PremierMiles 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 

• On the yearly card renewal period, get 3000 Bonus Miles
• Earn 8 miles for every Rs.100 on spends at Amazon India, Flipkart, Myntra
• Earn 4 Miles for every Rs.100 spent on all other transactions (Offer Validity: 15 Feb’21-15 Aug’21)
• Redeem miles over more than 100 domestic and international airlines
• Transfer your miles to any of the card’s hotel & airline partner
• Miles never expires so you can use them whenever you desire
• Redeem Miles instantly via SMS against purchases at leading brands
• Turn big purchases into small payments  
• Complimentary Access to Airport Lounges in India
• Instant loans availed
• Get amazing deals and discounts locally & in other 90 countries
• As you earn more miles, redeem easily at www.premiermiles.co.in
• You can either redeem the miles now or keep collecting them
• Using Citi contactless card pay the easy way  
• Enjoy the Travel and Lifestyle Services by contacting the Travel and Lifestyle specialist to create and plan an enchanting experience
• Enjoy the latest offers on the credit card  
• Have instant savings on lifestyle and wellness categories  
• Join the millions of subscribers with a unique analysis of the issues behind the headlines
• Personal Air Accident Insurance cover of Rs 1 crore
• Lost Card Liability Cover of Rs. 10 Lakh

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

• The miles earned can be used or redeemed on Citi Bank's Partnered Airlines
• On every Rs.100 spent on airline transactions on www.premiermiles.co.in earn 10 miles
• Save up to 20% across all Citibank's partnered restaurants

Cons

• No Annual Fee Waiver
• High-interest rates