Kotak Urbane Gold Credit Card vs ICICI Sapphiro Credit Card
Joining Fees
₹199
₹6,500
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
- Complimentary Domestic and International Airport Lounge visits
- Complimentary rounds of Golf every month at the Golf course
- On dining bills, enjoy 15% savings at over 2,500+ restaurants across India through Culinary Treats Programme
- Discover how ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year
- Enjoy the unmatched advantage of complimentary DragonPass, the world’s first all-in-one Digital Airport Platform
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
- Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
- Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
- Complimentary Domestic Airport Spa visits
Cons
- Average Reward Rate
- High-Interest Rate
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