YES Prosperity Rewards Credit Card vs Kotak 811 Credit Card

• 4 Reward Points for every Rs. 200 spent on Groceries & Supermarkets 
• 2 Reward Points for every Rs. 200 on other categories 
• Exclusive Catalogue of Products
• Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)

• 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

• This credit card is good for those who’re seeking Reward Points
• Fuel Surcharge Waiver
• This credit card is good for those who love to shop

Cons

• This credit card isn’t travel-specific card
• No Golf Privileges
• Not much discount on movies

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