Compare Swiggy HDFC Bank Credit Card vs Kotak Mahindra Essentia Platinum Card

* Get 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie)
* Get 5% Cashback on online spends across online MCCs
* Get 1% Cashback on other categories
* Zero lost card liability
*  Up to 50 days of interest-free period on the Swiggy HDFC Bank Credit Card from the date of purchase
* When making spends of Rs. 2,00,000 or more in a year, before the Credit Card renewal date, get the renewal fee waived off
* Swiggy HDFC Bank Credit Card is enabled for contactless payments
* You can convert large purchases on the credit card into Smart EMI

* Mastercard Golf Benefits:

a. Access golf courses worldwide and 12 free lessons per year

b. 4 complimentary rounds of green fees per calendar yea

c. Discounted golf services at 50% of the green fee beyond complimentary sessions

10% Savings on Departmental & Grocery Store spends: For every Rs 100 you spend at Departmental & Grocery Stores, earn 10 Saving Points
Avail 1 Saving Point for every Rs 250 you spend on other categories without any restrictions
Spend Rs. 1, 25,000 every 6 months and get 6 free PVR tickets Or 1200 Reward Points
Visa payWave facility is the fasted, safe and secured method of paying. Just wave the Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN

Pros

* Get 10% cashback on all Swiggy food delivery orders, including Genie and Instamart
* Up to Rs. 1,500 cashback per month across major online shopping platforms
* This credit card suits food enthusiasts because they can get a complimentary Swiggy One membership for three months which is extremely beneficial

Cons

* One can only redeem their cashback on the Swiggy app
* There's no domestic or international lounge access
* The foreign currency markup is on the higher side at 3.5%

Pros