Kotak Urbane Gold Credit Card vs HSBC Visa Platinum 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 

• Nil joining and annual fees
• New customers will receive the following welcome privileges on transaction(s) of a minimum Rs. 5000 within 30 days of card issuance: Amazon voucher (worth Rs. 500)
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• 5-times (5X) rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 with a max 15,000 accelerated reward points in an anniversary year
• Up to Rs. 3,000 annual savings on fuel surcharge
• Zero-liability for lost cards
• Emergency card replacement: If the HSBC Visa Platinum Credit Card gets lost, immediately call Visa Global Assistance Services or HSBC Helpline numbers and have the card cancelled and an emergency card will be issued anywhere in the world in 3 days. The user can also opt to receive emergency cash at over 22,000 outlets globally
• Insurance benefits
• Other benefits include some regular card benefits such as cash advance, additional credit cards, global access, online convenience, 24x7 customer access through Phone Banking
• Enjoy BookMyShow Saturday offer: Buy-one-get-one-free movie tickets on Saturdays- Up to Rs. 250
• On Tata CLiQ  get 15% instant discount on selected products in Lifestyle, Electronics and Luxury Categories
• When completing the credit card application online, you can win an Amazon e-gift voucher worth Rs. 250
• The “Airport Lounge Services” Program is applicable to those who meet all requirements

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

• New customers will receive welcome privileges on transaction(s) of a minimum Rs. 5000 within 30 days of card issuance: Amazon voucher (worth Rs. 500)
• Air miles conversion on InterMiles, British Airways and Singapore Airlines
• 5-times (5X) rewards on subsequent purchases made after crossing spend amount of Rs. 400,000 with a max 15,000 accelerated reward points in an anniversary year

Cons

• No golf/coaching sessions
• “Airport Lounge Services” Program is applicable to those who meet all requirements