Metro Kotak Bank Credit Card vs IDFC FIRST Millennia Credit Card
Joining Fees
₹0
₹0
Editor's Rating
3.65
2.75
Key Features
- 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 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
- Get 3X Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
- Use the Reward points to instantly pay for online or in-store purchases
- Get 1X Reward Points on Insurance premium payments and Utility bill payments
- Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
- Get 4 complimentary Railway lounge visits per quarter
- Avail complimentary Roadside Assistance worth Rs. 1,399
- Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
- Enjoy 300+ Merchant offers all year long
- Up to 20% discount at 1500+ restaurants
- Up to 15% discount at 3000+ Health & Wellness outlets
- Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
- Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
- Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege
Editor's Review
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
- Lifetime free credit card
- Complimentary Railway lounge access
- NIL Overlimit fees, NIL Addon charges
Cons
- No milestone benefits
- No Airport Lounge Access
