IndusInd Bank 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 Rs 100; Utility, insurance, government, and rent spends: 0.7 reward points per Rs 100; base: 1 reward point per Rs 100
Kotak 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 | IndusInd Bank Platinum RuPay Credit Card | Kotak 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 Rs 100; Utility, insurance, government, and rent spends: 0.7 reward points per Rs 100; base: 1 reward point per Rs 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 Rs 0.35 per point | Statement credit: upto Rs 0.07 per point |
| Key exclusions | fuel, cash advances | Fuel spends, Rent payments, Railway ticket bookings, E-wallet loading transactions, EMI transactions, Education spends |