Metro Kotak Bank Credit Card vs ICICI Bank HPCL Platinum 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

• Reduce fuel bills with 2.5% Cashback - Get up to Rs. 100 Cashback on fuel purchases at HPCL pumps, availed when the Card is swiped on ICICI Merchant
• 1% fuel surcharge wavier- 1% fuel surcharge won't be applicable on fuel transactions of up to Rs. 4,000 at HPCL pumps
• ICICI Bank Rewards- ICICI Bank Credit Card entitles cardholders to earn PAYBACK Points on transactions as described below:

1. Get 2 PAYBACK Points on every Rs. 100 spent on retail purchases except on fuel
2. Swipe the PAYBACK membership card at selected HPCL pumps and instantly redeem points for fuel- On every 2,000 PAYBACK Points, earn fuel worth Rs. 500

• Enjoy the facility of Rs. 199 Annual Fee Savings. By just spending Rs. 50,000 or more annually on the Card and the bank will reverse the Annual Fee (Rs. 199) for that year
• Avail Rs. 100 off on movie tickets any day of the week, through www.bookmyshow.com
• Minimum 15% savings on dining via exclusive dining offers through ICICI Bank Culinary Treats Programme
• VISA's Exclusive Offers- Whether in India or abroad, enjoy the amazing deals from VISA Wine, dine and unwind with great offers from luxury hotels, restaurants, lifestyle stores, spas and more

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

• Up to Rs. 100 Cashback on fuel purchases at HPCL pumps
• ICICI Bank Credit Card entitles cardholders to earn PAYBACK Points on transactions
• Get Rs. 100 off on movie tickets and minimum 15% savings on dining

Cons

• The ICICI Bank HPCL Platinum Credit Card does not provide statement credit
• No Golf Privileges
• No complimentary Airport Lounge access

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