Kotak Urbane Gold Credit Card vs Tata Croma Platinum Card

Joining Fees

₹199

₹2,999

Editor's Rating

4.2

3.1

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 
  • Welcome and Anniversary Gift Voucher worth Rs. 3,000 from popular brands 
  • Spends linked gift vouchers worth up to Rs. 6,000
  • 3X Reward Points on Departmental Stores, Dining, Grocery and International spends
  • Spend at selective outlets, get up to 5% Value back

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

  • Welcome Benefits 
  • Airport lounge access
  • Cashback on Croma and Tata outlets
  • Rewards

Cons

  • High-interest rate
  • No concierge services
  • No Golf games


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