Kotak Urbane Gold Credit Card vs HDFC Bank Infinia Metal Edition Credit Card
Joining Fees
₹199
₹12,500
Editor's Rating
4.2
4.6
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
- Metallic Card
- Enjoy complimentary nights and buffet at participating ITC hotels: Book a stay for 3-nights and simply pay for two at participating ITC hotels. Also avail 1+1 complimentary buffet at the participating ITC hotels
- In the preceding 12 months, spend 10 lakhs or more to avail renewal membership fee waived off for next year. The Renewal benefit 12,500 Reward Points will be availed upon fee realization and card activation
- Enjoy unlimited complimentary golf games at leading courses in India and selected courses across the globe. Unlimited complimentary Golf coaching at selected golf courses in India
- Lowest markup fee of 2% on foreign currency transactions
- Zero Lost card liability
- Enjoy up to 50 days of interest-free period
- Revolving Credit is available at nominal interest rate
- Global Personal Concierge -24 X 7
- Enjoy unlimited complimentary airport lounge access domestic and international using Priority Pass. This benefit is also available for add-on Priority Pass holders
- Enjoy wonderful dining benefits with the Good Food Trail program: HDFC Bank x Swiggy Dineout - Good food Trail- Indulge in wonderful discounts by obtaining FLAT 15% EXTRA OFF on dining bills at 35K+ restaurants!
- Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. 1,00,000
- You can convert big spends into EMI after the purchase
- The credit card is enabled for contactless payments
- Accidental Air Death cover worth Rs. 3 Crore
- Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency
- Credit Shield Cover for up to Rs. 9 lakhs
- Obtain 5 Reward Points on every Rs. 150 retail spending including Insurance, Utilities and Education
- Earn up to 10 times Reward Points on travel and shopping spends on Smartbuy
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
- Unlimited lounge access at domestic and international airports
- Unlimited complimentary golf games at premier golf courses
- Complimentary nights and buffet at participating ITC hotels
Cons
- The card doesn’t offer any yearly or monthly benefits
- No cashback as such
- Joining fee on higher side
