Kotak Urbane Gold Credit Card vs Tata Neu Infinity SBI 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 

• Welcome benefits include getting 1,499 NeuCoins worth Rs. 1,499 on Tata Neu app on payment of joining fee
• Redeem these coins on Tata New App/Website and partner Tata Brands
• Avail 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands
• Extra 5% value-back as NeuCoins on select category spends at Tata Neu app/Website
• 1.5% value-back as NeuCoins on other spends
• 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
• Low forex markup fee of 1.99%
• 8 complimentary domestic lounge visits every year (Max. 2 per quarter) on spending Rs. 75,000 in the previous quarter
• Complimentary Priority Pass Membership along with 4 complimentary international airport lounge accesses per year (1 per quarter)
• Post complimentary visits, a usage fee of $27 + applicable taxes will be charged per Priority Pass lounge visit
• Priority Pass and complimentary membership is valid for 2 years only
• 1% fuel surcharge waiver, on every transaction between Rs. 500 and Rs. 4,000
• Annual fee waiver on spending Rs. 3 Lakh in a year
• Withdraw cash from over 1 million Visa, Mastercard or American Express ATMs across the globe
• Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer outstanding balances of other banks’ credit cards to the Tata Neu Infinity SBI Card at a lower interest rate and repay in easy EMIs

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
* Complimentary domestic and international lounge access
* 1.5% value-back as NeuCoins on other spends, and 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
* Welcome benefits

Cons
* No Golf Benefits
* No movie benefits
* Reward redemption is limited to Tata Neu and its partner brands