Axis Bank Privilege Credit Card vs Kotak NRI Royale Signature Credit Card
Joining Fees
₹1,500
₹1,000
Editor's Rating
4.2
3.6
Key Features
- As an activation benefit, avail 12,500 EDGE Reward Points that are redeemable against travel or shopping vouchers worth Rs. 5000
- Annual fees reversal on achieving spends of Rs. 2.5 Lakhs
- Earn 3000 EDGE REWARD points on credit card renewal
- By converting the earned EDGE REWARD points to Paytm flight & hotel vouchers worth twice the value, you can double the benefit upon achieving spends milestone of Rs. 2.5 lakh
- Get 20% off at 4000+ partnered restaurants
- Earn Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points
- On every Rs 200 spent on the credit card domestically/Internationally earn 10 points
- 2 Complimentary domestic airport lounge access
- Avail Fuel Surcharge Waiver
- Avail up to Rs. 2.5 crore for Air Accident Cover
- On transactions over Rs. 2500, convert the purchases into EMIs
- Avail 2X rewards on spends outside India; i.e. avail 2 rewards points for every Rs. 200 spent
- Fuel Surcharge Waiver
- Railway Surcharge Waiver
- NRI Royale Shield
Editor's Review
Pros
- Milestone and Activation benefits
- Complimentary Airport Lounge Access
- Annual Fee is Low
Cons
- No complimentary Golf lessons
- Annual interest rate is too high
- The total benefits on the Axis Bank Signature Credit card with Lifestyle Benefits is approx more than Rs. 33,000, whereas the total benefits on the Axis Bank Privilege Credit Card is approx more than 27600
Pros
- This card is good for Indians who are residing overseas
- Freedom to purchase and pay in INR
- Complimentary access to Airport Lounges in India
Cons
- No Golf Privileges
- No Concierge Services
- This card isn’t good for those who desire a low foreign currency mark up card
