Historically, credit cards were available as simple and standardized products. Every card issuer offered one type of card with small variations in features. Over a period of time, the product underwent significant development. Today, there are different types of credit cards classified under various categories. These offer different kinds of features, such as cashback offers, rewards point programs, and varying interest rates. So How do you do credit card comparison and find yourself the Best Credit Card.
Understanding the features and benefits of each of the different kinds of credit cards offered by institutions like Kotak Mahindra Bank (KMB) will help you choose the right card for your requirements. To illustrate the huge range of options available when choosing a credit card, here are some different types of cards offered by KMB.
Credit Cards For Shopping
- Silk Inspire Card for Women – Cardholder can earn up to 5X reward points on every Rs. 100 spent on Apparels*. In addition, users can enjoy 2.5% fuel surcharge waiver across petrol pumps in the country.
- Urbane Gold Card – Users receive 3X reward points on every Rs. 100 spent on retail purchases and redemption is available after reaching 1000 points. In case the card is stolen, you receive coverage of INR 50,000 for fraudulent usage for up to 7 days.
- Essentia Platinum – Users receives 10 points for spending INR 100 on the card at various grocery and departmental stores. In addition, users earn saving points for spending on unrestricted categories.
Credit Card for Lifestyle
- Wealth Management Infinite – When you do credit cards comaprison for lifestyle expenses, nothing beats this product. You can enjoy a higher limit of INR 10 lacs. In addition, you have access to some exclusive privileges throughout the year with invitations to entertainment, fashion, dining, and art events. This is a special by-invite card
- Royale Signature – Earn 10X rewards on certain VISA spends and 5X on other spends. Additionally, users are provided with priority pass to relax during their travels at various airports across India and other countries.
- Privy League Signature – Along with higher reward points, the card provides several more privileges. Some of these include concierge services, access to airport lounges, fuel surcharge waiver, and complimentary movie tickets.
- League Platinum Card – Users can receive 8X reward points with spends on special categories, such as airlines and air carriers, durable goods, travel agencies, and departmental stores. Additionally, fuel surcharge waiver and railway surcharge waiver is available for these card holders.
Credit Card For Dining and Entertainment
- PVR Gold – With a minimum billing, users can receive free PVR movie tickets every month.
- PVR Platinum – Cardholders who spend over INR 7,500 per month using this card can avail 2 free PVR movie tickets each month. These include PVR across the country and include online as well as over-the-counter spends.
- Delight Platinum – Enjoy cash back offers on dining at various coffee shops, restaurants, pizza eateries, fast food joints, and pubs. Additionally, cash back on movies included under “Entertainment” Merchant Category are available to cardholders.
These are just a few of the credit cards offered by Kotak Bank and a credit card comparison online will give you a better insight into the features that are offered. There are many websites that allow users to do a credit card comparison in India, to help them make the best possible choice.
Author :
Tejas Kunder is an independent blogger and writing has been his passion for a long time. A journalism grad, he loves exploring the world of sports, health, lifestyle and travel. When he’s not writing, he’s out on his bike discovering new places, apart from that he loves listening to music and catching up on the latest flick.
