First Citizen Citi Credit Card vs Kotak NRI Royale Signature Credit Card
VS
Fees
Citibank
Kotak Mahindra Bank
Joining Fees
₹500
₹1,000
Renewal Fees
₹500
₹1,000
Network
Visa
Visa
Editor's Review
4.5
3.6
Free Lounge Access
No
Yes
Features
First Citizen Citi Credit Card
- Accelerated Rewards at Shoppers Stop and Ease of Redemption
- Welcome and First-use Benefits worth Rs. 2550
- In-store exclusive Sale Previews and Complimentary Parking
- No Annual Fees for Cardmembers who spend over Rs. 30000 in a membership year
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
First Citizen Citi Credit Card
Pros
- Avail 3 Rs.500 Shoppers Stop vouchers redeemable at Shoppers Stop and Home Stop
- Avail Rs. 500 Shoppers Stop vouchers that are redeemable on Private Brands only
- Fuel surcharge (1%) on fuel purchases at authorized IndianOil outlets
Cons
- No complimentary Airport Lounge access
- High-interest rate
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
