Metro Kotak Bank Credit Card vs Standard Chartered 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

• Enjoy the benefit of 5x reward points on dining and fuel spends
• Avail 5 Reward points for every Rs. 150 spent on dining and fuel with no monthly cap on the rewards earned
• For every Rs. 150 spent on all other categories, avail 1 reward point
• Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay
• Convert big credit card transactions (starting from Rs. 5,000) into easy instalments at attractive rates at zero preclosure charges

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

• Get more out of your spends with the Standard Chartered Platinum Rewards credit card
• Enjoy host of offers and discounts across shopping, travel, dining and more with exclusive offers on your credit card
• Transfer card balance up to Rs. 5 Lakh at attractive interest rate

Cons

• High-interest rates