Should I upgrade my credit card from Urban Gold credit card to Kotak League Rupay?

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I am a Kotak Bank customer and currently I am using Kotak Urbane Gold Credit Card a few days ago my bank offered to upgrade Kotak League Rupay Credit Card . They are charging 500 issuance and annual charges for league card, whereas for the urbane gold I usually get the waiver as I meet the criteria.

I am a bit confused, and I have a few questions.

Is the League Rupay actually better than Urbane in terms of rewards and overall value? and I know they both are entry level cards.

Does upgrading to League improve the chances of: Getting credit limit enhancements faster?

But in the end all I want is maximise value looking at the long term even if a midlevel card

Any personal experience or advice would be really helpful!

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Before upgrading you should carefully think about what you want in your credit card, like what is your requirements are and what features you want here is a quick competition
Annual fee
Kotak League Rupay (Platinum) : ₹499
Kotak Urbane Gold : ₹199

Reward Rate
Kotak League Rupay (Platinum) : 8/150 = 5.33%
Kotak Urbane Gold : 3/100 = 3%

Milestone Benefits
Kotak League Rupay (Platinum): 5,000 points (worth ₹500) on joining
Kotak Urbane Gold: 4 PVR tickets or 10,000 points on ₹1L spend

They both have an interest rate of 3.5%

This is all the information. Now it’s up to you if you want to upgrade or not

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