HDFC Platinum Times Credit Card vs Kotak NRI Royale Signature Credit Card

• HDFC Bank Times Platinum Credit Card is enabled for contactless payments
• Fuel Surcharge Waiver
• Zero liability on the lost card
• Get up to 50 days interest-free from the date of purchase (subject to the submission of the charge by the Merchant)
• The Reward points are valid for 2 years from the date of accumulation
• You can register the Platinum Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. With this service you’re ensured that all the utility bills are paid on time, conveniently and easily

• 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

• 25% off on movies and up to 20% off on dining participating restaurants
• Live GPS location-based offers 365 days on Times Card WebApp
• 3 Reward Points for every Rs. 150 spent; 10 Reward Points for Rs. 150 spent on weekday dining

Cons

• No complimentary Airport Lounge access  
• No Golf Privileges 

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