Kotak Urbane Gold Credit Card vs HSBC Visa Platinum Credit Card
Joining Fees
₹199
₹0
Editor's Rating
4.2
4.3
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
- Nil joining and annual fees
- As welcome offer, when applying for the credit card online and verifying yourself, obtain an Amazon e-gift voucher worth Rs. 250. Spend at least Rs. 5,000 in the first 30 days and win Amazon vouchers worth Rs. 500 (Introductory offers are valid from 1 Jan 2024 till 30 June 2024)
- Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
- Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
- Avail 2 Reward points for every Rs. 150 spends
- Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
- Zero liability for lost cards- Get insurance coverage for any misuse of the card from 24 hours before reporting it lost, up to Rs. 300,000
- Transfer outstanding balances from other bank credit cards to HSBC credit card and repay in easy monthly installments at a lower interest rate
- Get exclusive access to discounts with selected partners
- If the credit card gets lost, simply cancel it and the bank will issue an emergency card anywhere in the world – it'll only take 3 days
- Cardholder can also be able to take out cash advances, get global access to its accounts, and manage its money on-the-go with 24/7 online access to its account
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
- Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
- Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
- Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
Cons
- No Airport Lounge access
- No Golf benefits
