Metro Kotak Bank Credit Card vs AU Small Finance Bank Altura Credit Card
- Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
- Cashback Structure is as follows:
a. Monthly Minimum spend slabs
b. Rs. 10,001 to Rs. 30,000 Spends - 0.25% Cashback
c. Rs. 30,001 to Rs. 5 Lakh - 0.50 % Cashback
d. > Above Rs. 5 Lakh - 1% Cashback
- Credit Free Period of 48 Days
- Rupay Contactless provides a quick, safe, and secure way to pay. Just tap the Metro Kotak Bank Credit Card and pay for transactions up to Rs. 5000 without a PIN
* Avail 2% Cashback on retail spends at Grocery stores, Departmental stores and Utility bill payments. The maximum cashback per statement cycle is Rs. 50
* Avail 1% Cashback on other retail spends. The maximum cashback per statement cycle is Rs. 50
* Milestone Benefit: Earn additional cashback of Rs. 50 on completing a minimum of Rs. 10,000 retail spends in every statement cycle
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 100 per statement cycle
* Card Liability Cover: If the Credit Card gets lost, you’ll have zero liability on any fraudulent transactions made using the card after reporting the loss to the bank. You’re even protected against Card Counterfeit/Skimming, and Online frauds
* Contactless Card
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime
Pros
- Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
- Activation benefit of up to Rs. 500 cashback on the first swipe
- For spends done between Rs. 10,001 to Rs. 30,000 get 0.25% Cashback and for spends Rs. 30,001 to Rs. 5 Lakh get 0.50 % Cashback
Cons
- No International or Domestic Airport Lounge access
- No golf or fuel benefits
- No rewards or other travel related benefits
Pros
* Complimentary railway lounge access
* Attractive welcome and milestone benefits
* Get up to 7% Cashback as an introductory offer
Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits
