Metro Kotak Bank Credit Card vs AU Small Finance Bank Altura Plus 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

* Get 1.5% Cashback on POS retail spends at merchant outlets. The maximum cashback per statement cycle is Rs. 100. Do note that you can avail 1 Reward Point per Rs.100 retail spends (except fuel) on POS, after reaching the maximum cashback limit
* Avail 2X Reward Points (i.e. 2 Reward Points per Rs.100 retail spends) for all online transactions
* Milestone Benefit: Earn additional benefit every month by getting 500 Bonus Reward Points when you do Rs. 20,000 retail spends or more in a calendar month
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities
* 24/7 Concierge Services
* Enjoy 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 150 per statement cycle
* Avail various options to redeem Reward Points for amazing benefits that include E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings, and much more. Redeem the Reward Points for FREE
* 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
* Earn cashback and rewards points

Cons
* No golf privileges
* No Airmiles
* No airport lounges benefits