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Side-by-Side Comparison|Updated March 2026

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

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

Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
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ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
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Feature-by-Feature Comparison

FeatureKotak Mahindra Bank Feast GoldICICI Bank Platinum Chip Credit Card
Annual Fee₹499Free
Joining FeeFreeFree
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.125%
Reward CurrencyDining PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating6/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

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.

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

ICICI Bank Platinum Chip 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 Kotak Mahindra Bank Feast Gold if

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

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: Kotak Mahindra Bank Feast Gold or ICICI Bank Platinum Chip Credit Card?
ICICI Bank Platinum Chip 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 Kotak Mahindra Bank Feast Gold and ICICI Bank Platinum Chip Credit Card?
Kotak Mahindra Bank Feast Gold has an annual fee of ₹499, while ICICI Bank Platinum Chip Credit Card has no annual fee.
Which card has better rewards: Kotak Mahindra Bank Feast Gold or ICICI Bank Platinum Chip Credit Card?
Kotak Mahindra Bank Feast Gold offers a base reward rate of 1% with accelerated rewards on Dining and Movies. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Mahindra Bank Feast Gold and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Mahindra Bank Feast Gold and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Mahindra Bank Feast Gold or ICICI Bank Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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