Kotak NRI Royale Signature Credit Card vs IDFC FIRST Select Credit Card
Joining Fees
₹1,000
₹0
Editor's Rating
3.6
2.75
Key Features
- 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
- Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback on making the first EMI transaction made within 90 days of card set-up
- 10X Reward Points on purchases greater than Rs.20,000
- 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
- 4 complimentary domestic lounge access per quarter
- 4 complimentary Railway lounge access every quarter
- Low foreign exchange mark-up fee of 1.99%
- 20% discount on 1500+ Restaurants
- 15% discount on 3000+ Health & Wellness Outlets
- Free Road Side Assistance(RSA) worth Rs. 1,399
Editor's Review
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
Pros
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Comprehensive Travel Insurance Cover of Rs. 22,500
Cons
- Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
- Interest-free cash withdrawal available for 48 days only
- The dining benefits provided by the card are satisfactory but not that great
