RBL Bank Classic Platinum Credit Card vs Kotak 811 #DreamDifferent Credit Card

* Joining Fee and Annual Fee will be communicated at the time of sourcing

* Avail 2 reward points for every Rs. 100 spent in India

* Avail 4 reward points for every Rs. 100 spent Internationally

* With the earned points you can redeem then for: Flight tickets & Hotel stays, Latest gadgets and shopping products, Mobile Recharge, Retail shopping vouchers, and Curated personalized gifts

* The card is equipped with a PIN-based-EMV chip

* With the Flexi Limit facility, one can stay in control of its finances. Simply regulate the credit limit on the card and on the add-on card by calling the 24X7 customer service and assigning a lower limit. Assign varied limit on the primary and add on credit card

* Global Acceptance

* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign

* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

* Avail up to 5 add-on cards

* No joining fee and annual fee
* Get 2 reward points against every Rs. 100 of online spends
* Get 1 reward point against every Rs. 100 of other spends
* Avail 500 bonus reward points on Activation + Rs. 5000 spends in the first 45 days of the card set up
* Interest free cash withdrawal: Withdraw cash up to 90% of the total credit limit. Processing fee of Rs. 300 per Rs. 10,000 withdrawal, and interest will not be charged up to 48 days on cash advance
* Balance Transfer: The processing fee of Rs. 349 per Rs. 10,000. Continued interest free period on fresh retail purchases. Simply call the bank to transfer other credit card balances
* Add-on Card: Add-on Cards will have all the benefits that is available on the main on Card
* Fuel & Railway  Surcharge waiver:  Get 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000, and 1.8%  for transactions on irctc.co.in and 2.5% Indian railway booking counters 

* Do note in addition to the reward points that will be earned on transactions, cardholder will even be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year as per eligibility. Cardholder can select any one of the below options:
Redemption Option 1: Cashback of Rs. 750
* Caim cashback within 3 months after anniversary year gets over.
*  If claimed, the cashback will reflect in the next billing cycle.

Redemption Option 2: 4 free PVR tickets
* Claim PVR tickets within 3 months after the anniversary year gets over.
* The PVR tickets can be used for any day and any show and they are transferrable.

Pros
* Avail 2 reward points for every Rs. 100 spent in India
* Avail 4 reward points for every Rs. 100 spent Internationally
* With the Flexi Limit facility, one can stay in control of its finances. Simply regulate the credit limit on the card and on the add-on card by calling the 24X7 customer service and assigning a lower limit. Assign varied limit on the primary and add on credit card

Cons
* No golf benefits
* No airmiles
* No airport lounge access

Pros

* Do note in addition to the reward points that will be earned on transactions, cardholder will even be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year as per eligibility. Cardholder can select any one of the below options:
Redemption Option 1: Cashback of Rs. 750
* Caim cashback within 3 months after anniversary year gets over.
*  If claimed, the cashback will reflect in the next billing cycle.

Redemption Option 2: 4 free PVR tickets
* Claim PVR tickets within 3 months after the anniversary year gets over.
* The PVR tickets can be used for any day and any show and they are transferrable.

Cons:

* No complimentary golf/coaching sessions
* No Complimentary Airport Lounge Access