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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity Credit Card vs Kotak Mahindra Bank Feast Gold

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
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Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
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Feature-by-Feature Comparison

FeatureICICI Bank Platinum Identity Credit CardKotak Mahindra Bank Feast Gold
Annual Fee₹750₹499
Joining Fee₹2,000Free
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%1%
Reward CurrencyHand-picked RewardsDining Points
NetworkVisaVisa
Editor Rating7/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Platinum Identity Credit Card

No accelerated rewards listed

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

Pros & Cons

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

Kotak Mahindra Bank Feast Gold

Pros

  • High 10% reward rate on dining and movie spends.
  • Reward points have a high value of ₹1 per point.
  • Low annual fee of ₹499 with no joining fee.
  • Feast Shield provides ₹50,000 insurance against fraudulent transactions.

Cons

  • Rewards are capped at 600 points (₹600) per billing cycle.
  • Requires a minimum total spend of ₹5,000 in a cycle to qualify for dining points.
  • Dining points are only awarded for the first 5 transactions in a cycle.

Our Verdict

ICICI Bank Platinum Identity Credit Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Choose Kotak Mahindra Bank Feast Gold if

Offers a significant 10% value back on restaurant and movie spends, making it ideal for weekend outings.

Frequently Asked Questions

Which is better: ICICI Bank Platinum Identity Credit Card or Kotak Mahindra Bank Feast Gold?
ICICI Bank Platinum Identity Credit Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Platinum Identity Credit Card and Kotak Mahindra Bank Feast Gold?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while Kotak Mahindra Bank Feast Gold has an annual fee of ₹499. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Identity Credit Card or Kotak Mahindra Bank Feast Gold?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. Kotak Mahindra Bank Feast Gold offers 1% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Identity Credit Card and Kotak Mahindra Bank Feast Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Identity Credit Card and Kotak Mahindra Bank Feast Gold can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Platinum Identity Credit Card or Kotak Mahindra Bank Feast Gold?
For beginners, Kotak Mahindra Bank Feast Gold may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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