Kotak Royale Signature Credit Card vs American Express® Platinum Card

Joining Fees

₹1,499

₹60,000

Editor's Rating

3.8

4.6

Key Features

  • 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
  • Earn 1,00,000 Welcome Bonus Membership Rewards® Points
  • Benefits worth Rs. 37,000 every time one book at one of the 1000+ properties under the Fine Hotels & Resorts collection. Get 25% off at Taj, SeleQtions and Vivanta Hotels
  • REMAIN PROTECTED WITH BENEFITS UP TO Rs. 20,000 BY AVAILING:

A. Air Accident Insurance

B. Overseas Medical Insurance

C. Purchase Protection

D. Wallet Protection

  • 24X7 CONCIERGE SERVICE
  • Access over 1,200 Airport Lounges globally that includes the following:

1. The Centurion® Lounge

2. American Express Lounges

3. Priority Pass™ Lounges

4. Delta Sky Club® Lounges when flying Delta

5. Escape Lounges 6. Domestic Partner Lounges in India

  • Avail exclusive deals on airlines such as Emirates, Qatar Airways, Virgin Atlantic, British Airways, Air France, KLM, Delta Airlines and more
  • Complimentary benefits worth Rs. 37,000 at the iconic 5-star properties, which includes guaranteed 4 pm late check-out, room upgrades at check-in when available, daily breakfast for two, WiFi or a special amenity at each property worth US$100. Hotels included are Four Seasons Hotels & Resorts, Mandarin Oriental, The Ritz-Carlton and many more
  • Upgrades to Elite Tier Memberships: Taj InnerCircle Silver Tier, Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Status, Radisson Rewards Gold Status, Hertz Gold Plus Rewards
  • For death due to air accident, get Coverage of Rs. 5 Cr, for loss of checked-in baggage, passport or documents., get coverage of Rs. 50,000, and avail complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of a trip
  • Avail 3X Membership Reward points on everything, every time you spend abroad
  • Access VIP-only events, pre-sale tickets and best seats in the house for concerts, Fashion Weeks, Grammy Awards, Wimbledon and more
  • Access favourite restaurants around the world such as Hakkasan London, Zuma Rome, Nobu New York, Cipriani Dubai and many more
  • Enjoy access to Platinum Fine Dining at restaurants in Delhi/NCR, Mumbai, Bengaluru, Chennai, Kolkata and other cities. Enjoy meals with a glass of wine and/or dessert at restaurants like Masala Bay, Spicy Duck, The Lodhi, Vetro and Enoteca etc
  • Up to 50% off at over 1800 premium restaurants in India with a complimentary membership to EazyDiner Prime. Other privileges include a complimentary drink, preferential reservations & a 24X7 VIP helpline
  • Complimentary access to more than 30+ golf courses across India

Editor's Review

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

Pros

  • Healthcare Offers are as follows:

1. Up to 20% off on health check-ups, OPD Consultation, dental treatments

2. Discounted stays at villas with wellness experiences

3. 20% off on skincare & beauty products

4. 15% off on pharmacy 

5. Special discounts on spa services at Atmamtan Spa, O2, Tattva

  • Hype Luxury Car Rentals Offers Earn: Avail benefits worth up to Rs. 90,000 annually
  • Fraud protection worth Rs. 15 Lakh and Emergency Hotel and Travel Assistance up to Rs. 2 Lakh and emergency cash in India

Cons

  • Extremely high Annual Fee with no first-year waiver
  • High minimum payment
  • Variable APR/Interest Rates


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