IRCTC SBI Card Premier vs Kotak Royale Signature Credit Card
Joining Fees
₹1,499
₹1,499
Editor's Rating
3.5
3.8
Key Features
- Avail Movie Voucher worth 500 from BookMyShow on spends of Rs. 2000 within the first 60 days
- Get 10% back on AC1, AC2, AC3, AC CC as reward points for ticket purchases on www.irctc.co.in
- Get 5% back Air ticket purchases on www.air.irctc.co.in
- Get 5% back E-catering purchases on www.ecatering.irctc.co.in
- Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
- Complimentary access to Airport Lounges in India
- Earn up to 4X reward points on every Rs. 150 spent across all spends done on Kotak Royale Signature Credit Card
- Accumulate reward points and redeem them against a host of redemption options like air tickets, mobile recharge, 10,000 merchandise and much more through easyrewardz with easy points
- In case the Credit Card is stolen, get a cover of Rs. 2,50,000/- against fraudulent usage up to 7 days pre-reporting
- Fuel Surcharge Waiver
Editor's Review
Pros
- Complimentary Rail Accident Insurance of Rs. 10 Lakhs
- Avail accommodation at over 5,000 hotels, covering 350 cities in India
- 8 Complimentary Railway Lounge access in India
Cons
- No Complimentary Airport Lounge access
- No Golf/coaching sessions
Pros
- Airport Lounge Access
- Kotak Royale Signature Credit Card provides Priority attend service where you just have to SMS and get a call back within 2 hours. Call for complimentary cheque pickup for paying monthly bills
- Add-on Card will have the same benefits that you enjoy on your credit card. Set the spending limit on your Add-on Card as you desire. Track spends separately for each of your Add-on Card(s)
Cons
- No complimentary Golf lessons/green
- Since Kotak is known to be topmost credit cards, it doesn’t offer Priority Pass for international lounge access
