Yes Bank First Reserv Credit Card vs Kotak Wealth Management Infinite Credit Card

• Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
• Get up to 1.75% markup on foreign currency
• For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
• Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
• Credit Shield cover of 15 Lakh
• Lost Card liability 15 Lakh to 30 Lakh
• 1% fuel surcharge waiver between Rs 400 and Rs 5000
• Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
• 3 complimentary domestic airport lounge visits per quarter
• Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
• Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
• Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
• Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
• Avail 6 YES Rewardz Points on every Rs. 200 on select categories
• Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
• Instant EMI: Pay in parts for transactions as low as Rs. 1500
• Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
• Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
• Contactless Transactions

• Personalised Card Design: Kotak Wealth Management Infinite Credit Card will be designed after you, which means it’ll carry a unique handcrafted illustration of the cardholder image on the face of the card
• Higher Credit Limit: Avail minimum credit limit of Rs. 10 Lakh and an instant credit limit increase offer to support big purchases through an additional spending limit
• Access to International Events: Get access to the world’s most prestigious events with privileges like preferred seating, champagne receptions, invite to after-event party, celebrity autograph and many more
• Get to enjoy special invites to premium events in dining, entertainment, art & fashion categories

Pros

• For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
• Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
• Get up to 1.75% markup on foreign currency

Cons

• No railway lounge access
• No cashback offers
• Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit

Pros

• 2 complimentary round of golf in a month for the cardholder. The cardholder can also invite two friends for a complimentary round once in a quarter
• Avail 800 Reward points worth Rs 800 free every month
• 4 complimentary visits every quarter to Visa lounges only in India

Cons

• This Credit Card is a “by-invite-only”