Metro Kotak Bank Credit Card vs Indian Overseas Bank Zet 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

• Open a fixed deposit starting from Rs. 2,500
• Earn up to 7% interest on your fixed deposit
• Your FD is insured by RBI- FD is insured up to Rs. 5 lakh by the DICGC under the DICGC Act 1961
• Credit Limit is set at 90% of the FD amount
• Lifetime Free Card- Zero annual fee and no hidden charges
• Easy application process with no credit score check
• UPI Credit Card- Get flat 2% cashback on ZET UPI payments
• Fuel Surcharges: Surcharge of 1% of the total transaction amount will be levied
• Get Discounts and cashback on 80+ top brands, for example see below some of the offers:

A. SWIGGY- Up to 20% Discount

B. BookMuShow- Up to 20% Discount

C. Zomato- Up to 20% Discount

D. Amazon Pay- 5% Cashback

E. FlipKart- 5% Cashback

F. PVR- 18% Cashback

G. Myntra - 5% Cashback

H. NYKAA - 4.5% Cashback

I. InstaMart - Up to 20% Discount

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

• No income proof or credit history required
• Earn up to 7% interest on your fixed deposit
• Enjoy Discounts and cashback on 80+ top brands

Cons

• No Travel perks
• No Lounge access
• No rewards or golf benefits