Citi Bank Corporate Card vs Kotak NRI Royale Signature Credit Card

• Exclusive privileges and rewards for your corporate expenses
• Avail complimentary access to Domestic Airport Lounges
• Up to 15% savings across participating restaurants
• Exclusive Offers on a host of business products and services including travel, hotel stays, car rentals, restaurants and more

• 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

• 20% on Dining across India
• Fuel Surcharge Reversal
• Redeem your Reward Points instantly for air miles, hotel stays, and gift vouchers for premium merchandise and delightful experiences

Cons

• No Golf/coaching sessions

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