TATA STAR Titanium vs Kotak 811 Credit Card

• On spends at STAR Outlets, earn 3.5% value back  
• On spends on select TATA Outlets, get up to 5% value back
• Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 3,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 3,000, to avail this benefit
• With TATA STAR Titanium Card, book railway tickets online and enjoy home delivery

• Earn 2 reward points for every Rs. 100 spent online
• Earn 1 reward points for every Rs. 100 spent offline
• Milestone Spends Benefit: In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
• Avail 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Do note that fuel transactions are not eligible to earn any Reward points
• Railway Surcharge Waiver: Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
• Add-on Card will have all the benefits that the cardholder enjoys on its Card
• This card is embedded with EMV Chip that adds additional level of security. You can set 6-digit PIN for authentication for higher security of your transactions
• Redeem reward points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, movies (BookMyShow Vouchers), travel and many more

Pros

• Spend based fees reversal on spends of Rs. 1,00,000 & above annually
• 3 Reward Points per Rs. 100 spent on departmental & grocery stores
• Low Annual Fee

Cons

• High-interest rates
• No Golf/coaching sessions
• No complimentary Airport Lounge visits

Pros

• Earn 2 reward points for every Rs. 100 spent online, and 1 reward points for every Rs. 100 spent offline
• In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
• Railway Surcharge Waiver

Cons

• No dinning benefits
• No Golf Benefits
• No Airport Lounge Access