PVR Kotak Platinum Credit Card vs HSBC Visa Platinum Credit Card

• Shop Anywhere in India using your PVR Kotak Credit Card to get your free PVR movie tickets
• Get 15% Cashback on Food and Beverages at PVR
• Get 5% Cashback on Movie tickets at PVR Box Office
• For the first year no Joining Fee
• Your Add-on Card will have all the benefits that you enjoy on your Card

• Nil joining and annual fees
• As welcome offer, when applying for the credit card online and verifying yourself, obtain an Amazon e-gift voucher worth Rs. 250. Spend at least Rs. 5,000 in the first 30 days and win Amazon vouchers worth Rs. 500 (Introductory offers are valid from 1 Jan 2024 till 30 June 2024)
• Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
• Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
• Avail 2 Reward points for every Rs. 150 spends
• Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year
• Zero liability for lost cards- Get insurance coverage for any misuse of the card from 24 hours before reporting it lost, up to Rs. 300,000
• Transfer outstanding balances from other bank credit cards to HSBC credit card and repay in easy monthly installments at a lower interest rate
• Get exclusive access to discounts with selected partners
• If the credit card gets lost, simply cancel it and the bank will issue an emergency card anywhere in the world – it'll only take 3 days
• Cardholder can also be able to take out cash advances, get global access to its accounts, and manage its money on-the-go with 24/7 online access to its account

Pros  

• Get 2 free PVR movie tickets every month when you spend Rs. 10,000 and above in a monthly billing cycle
• Railway Booking Surcharge (1.8%/2.5% on transaction amount) Applicable and Fuel Surcharge Applicable
• Visa payWave facility offers a fast, safe and secure way of paying. Just wave the Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN

Cons

• The add on card comes with a charge of Rs 299 per card
• No Golf/coaching sessions

Pros

• Convert the points into air miles with Club Vistara, Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines
• Up to Rs. 3,000 annual savings on fuel surcharge with credit card waiver
• Avail 5X the reward points on any purchase made after spending Rs. 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year

Cons

• No Airport Lounge access
• No Golf benefits