Metro Kotak Bank Credit Card vs YES Prosperity Cashback Plus 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

• On Movie Ticket bookings get 5% Cashback 
• On Grocery Shopping get 5% Cashback 
• On all Other retails spends get 0.75% Cashback 
• On Bill Payments through YES PayNow get 5% Cashback 

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

• This credit card is for those who prefer Cashback 
• Fuel Surcharge Waiver
• Credit Shield Facility 

Cons

• This credit card isn’t for those who are looking for travel benefits
• This card isn’t for those who prefer air miles or rewards
• No concierge service