Metro Kotak Bank Credit Card vs Kotak Delight 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

• A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle
• 10% Cash-Back on Movies
• Fuel Surcharge Waiver
• Railway Surcharge Waiver
• Spend Rs. 1,25,000 every 6 months and avail Four free PVR Tickets or Rs. 750 cash-back

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

• 10% Cash-Back on Dining and Movie spends
• Enjoy maximum eight free PVR tickets or Rs. 1500 cashback every year
• In case Credit Card gets stolen, you can get a cover of Rs. 1,25,000 against fraudulent usage up to 7 days pre-reporting

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge Access
• Joining fee: Rs. 1,999