Tata Croma Titanium Card vs Kotak Silk Inspire Credit Card

• 500 Empower points on spends of Rs. 2,000 in the first 60 days
• 1.5% Value back on spends @ Croma & cromaretail.com
• Up to 5% Value back on spends on Tata Outlets
• 3X Points on Departmental and Grocery stores 

• Avail 5x  Reward Points on every Rs. 100 spent on Apparels
• Pay with Reward Points at selected merchant outlets
• Spend Rs. 1, 25,000 every 6 months and avail 4 free PVR tickets or 1000 reward points
• Avail 1 reward for every Rs. 200 spent on other categories without any restrictions 

Pros

• Welcome Benefits 
• Up to 5% Value back on spends on Tata Outlets
• 3X Points on Departmental and Grocery stores

Cons

• High-interest rate
• No Airport Lounge access 
• No Golf games

Pros

• 5% savings on apparels
• Get 1 Reward Point for every Rs.200 spent on other categories
• Silk Inspired Shield

Cons

• No Golf Privileges 
• No Concierge Services 
• No Airport Lounge access