Standard Chartered Ultimate Card vs Kotak Fortune Gold Credit Card

• Get up to Rs. 10,000 cashback on MakeMyTrip
• Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
• 5% cashback on duty-free spends  
• Up to 25% discount at the top 750 restaurants in India
• Access 20 premier golf courses in India and 150 worldwide
• Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options

• Easy Access to Cash
• Fuel Surcharge Waiver 
• Easy Balance Transfer Options
• Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets OR Cash back of Rs. 750

Pros

• 2% foreign currency markup* fee on overseas spends
• Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
• Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay

Cons

• High Annual Fee of Rs. 5,000
• No fee waiver
• No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)

Pros

• Fuel surcharge waiver at fuel stations across India
• Attractive Foreign Currency Markup of 2.5%
• Credit Shield cover of INR 2.5 Lakhs in case of accidental death of Primary Cardmember

Cons

• No complimentary Golf lessons/green
• No complimentary Airport Lounge access