Kotak Essentia Platinum Credit Card

Joining Fee: Rs. 1,499 + GST
Renewal Fee: Rs. 749 + GST
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: NA

Apply Now

Add to Compare

The Essentia Platinum card by Kotak Mahindra bank is one of the entry-level credit cards. Still, it can be very rewarding if it fits your spending habits and used the right way. There is no other credit card in the Indian market that is more rewarding as far as grocery and essential spends are concerned. If that is how you’re gonna use your card, just close your eyes and sign up for this Essentia Platinum credit card; you certainly can not go wrong with this one. The card gives you a 10% return on grocery spends as Saving Points which can be redeemed at Kotak Rewards portal or used as cash at partner merchants (one saving point is equivalent to Re. 1). Doesn’t it sound cool to earn Saving Points for grocery spends and redeem them for a flight ticket on your next vacation!

New Features

Spend Based Waiver

Nil

Interest Rates

3.50% per month or 42% annually

Add-on Card Fee

Rs. 299/card

Rewards Redemption Fee

Nil

Fuel Surcharge

Applicable, subject to a minimum surcharge of Rs. 10

Foreign Currency Markup

3.5% + GST

Cash Advance Charges

Rs. 300 per Rs. 10,000 (or part thereof) withdrawn.

Movie & Dining

6 movie tickets by PVR on the expenditure of Rs. 1,25,000 in 6 months.

Travel

International Lounge Access

Rewards Rate

10 Saving Points/Rs. 100 on purchases made at grocery and departmental stores and 1 Saving Point/Rs. 250 on all other spends

Golf

Insurance Benefits

Insurance cover worth Rs. 1.25 lakh against unauthorized transactions up to 7 days prior to reporting the loss of card.

Reward Redemption

Saving Points redeemable on Kotak Rewards portal for travel-related spends, shopping, mobile recharge, shopping vouchers and movie tickets. The Saving Points can also be used as cash (1 Point = Re. 1) at partner merchants.

Domestic Lounge Access

Zero Liability Protection

Cardholder not liable for any fraudulent transaction of up to Rs. 1,25,000 up to 7 days prior to reporting the loss of card.

Pros

No data available

Cons

No data available

Similar Cards

Add to Compare

InterMiles ICICI Bank Sapphiro Credit Card

ICICI bank offers the InterMiles ICICI Bank Sapphiro Credit Card in collaboration with the InterMiles frequent flyer program. It comes in two variants- the Visa variant and the American express variant. The two variants slightly differ in terms of the benefits they offer. Earlier, the card used to offer special benefits on Jet Airways bookings, but since the airline ceased its operation in 2018, you get special privileges on Etihad airlines flight bookings, which owns over 50% share in Jet Airways. As is obvious from the name, it is a travel credit card and earns you reward points as InterMiles on all spends made via the card. Read on to know more about this offering by the ICICI bank.

Add to Compare

HDFC Superia Credit Card

The HDFC Superia Credit Card is an exclusive offering by the HDFC Bank, which comes with exclusive privileges across different categories. It charges a joining/renewal fee of Rs. 1,000 and earns you 1,000 bonus Reward Points on joining the card membership. Moreover, you earn 3 Reward Points on every retail spend of Rs. 150 and accelerated Reward Points on dining. These points are redeemable against Airmiles for over 20 domestic as well as international airlines. Talking about its travel privileges, you get complimentary Priority Pass membership that allows you to access over a thousand airport lounges globally. It also comes with a spend-based waiver of the joining as well as a renewal fee and you can make your card lifetime free just by achieving the required minimum spend every year. Other benefits of the card include a 1% fuel surcharge waiver of up to Rs. 500 per month, zero liability protection against a lost card, etc. Keep reading the article to know more about the HDFC Superia Credit Card & its fees and charges:

Add to Compare

Yes Bank Wellness Credit Card

A co-branded credit card, YES Bank Wellness Credit Card is a result of a collaboration between YES Bank and Aditya Birla Wellness Pvt Ltd. The Wellness credit card targets the self-care and general well-being of consumers. This credit card is a toned-down version of the YES Bank Wellness Plus Credit Card, which comes with a higher fee and greater benefits. The Wellness credit card provides comes various heath benefit offers such as complimentary health checkups, doctor consultation, and other lifestyle benefits. You get to redeem reward points across multiple categories using this card. You get 20 Reward Points per Rs 200 spent on Chemist/ Pharmaceutical stores and 4 Reward Points per Rs 200 spent on all other categories with this card.

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all