BOB Financial PREMIER vs Kotak NRI Royale Signature Credit Card

• 5X rewards on travel, dining and abroad; 2 Reward points on others
• Complimentary airport lounge, 24x7 concierge
• Zero fuel surcharge
• Fuel surcharge waiver
• Zero annual fees basis card usage

• 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

Pros

• Convert purchases more than Rs. 2,500 on the card into easy EMIs of 6/12 months
• 3 lifetime free add-on cards
• Free Personal Accidental Death Cover

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