Central SBI Select+ Credit Card vs Kotak NRI Royale Signature Credit Card
VS
Fees
SBI
Kotak Mahindra Bank
Joining Fees
₹750
₹1,000
Renewal Fees
₹2,999
₹1,000
Network
Visa
Visa
Editor's Review
4.3
3.6
Free Lounge Access
No
Yes
Features
Central SBI Select+ Credit Card
- Central SBI Select Card Advantage
- Fast & Convenient
- Security
- Cash on the go
- Easy Bill Pay facility at zero charge
- Flexipay
- Balance Transfer on EMI
- Global acceptance
- Emergency card replacement
Kotak NRI Royale Signature Credit Card
- 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
Central SBI Select+ Credit Card
Pros
- Joining & Complimentary Benefits
- Renewal & Milestone Select Points
- Accelerated Select Points
- Instant Redemption
Cons
- No Golf/coaching sessions
- No Airport Lounge access
- High Renewal Fees
Kotak NRI Royale Signature Credit Card
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
