Platinum RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Lifetime Free, Entry Level
Top rewards
UPI: 2 reward points per ₹100; Utility, Insurance, Government, And Rent Spends: 0.7 reward points per ₹100; Base: 1 reward point per ₹100
UPI RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Lifetime Free, Virtual Card
Top rewards
UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent
| Feature | Platinum RuPay Credit Card | UPI RuPay Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | Kotak Mahindra Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Kotak Reward Points |
| Best for | UPI, Lifetime Free, Entry Level | UPI, Lifetime Free, Virtual Card |
| Top reward categories | UPI: 2 reward points per ₹100; Utility, Insurance, Government, And Rent Spends: 0.7 reward points per ₹100; Base: 1 reward point per ₹100 | UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.35 per point | Statement credit: upto ₹ 0.07 per point |
| Key exclusions | fuel, cash advances | Fuel spends, Rent payments, Railway ticket bookings, E-wallet loading transactions, EMI transactions, Education spends |