Kotak Royale Signature Credit Card vs Flipkart Axis Bank Credit Card

• 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

• Annual fee will be waived off on annual spends greater than Rs. 3,50,000
• Welcome Benefits: Rs. 350 worth of activation benefits , get Flipkart voucher worth Rs. 250 on making first transaction, 50% off (up to Rs. 100) on Swiggy food orders for first time Swiggy users
• Get 7.5% cashback on Myntra spends
• Get 5% cashback on Flipkart and Cleartrip spends
• Get unlimited 4% Cashback on Preferred Merchants
• Get unlimited 1% Cashback on other eligible categories
• 1% fuel surcharge waiver on all fuel transactions in India. This is applicable on transactions between Rs. 400 to Rs. 4000
• On any transaction over Rs. 2,500, convert the purchases into EMI
• Indulge in delectable cuisines up to 15% off, up to Rs. 500, at partnered restaurants in India
• On Wednesdays, receive the following offers:
  A. Instant savings of up to 15% on flights and hotels via Makemytrip
  B. 10% off on orders via Swiggy
  C. 10% off up to Rs. 1000 on Tira

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

• Unlimited Cashback
• 7.5% cashback on Myntra
• Unlimited cashback on partner merchants

Cons

• Low cashback on non-accelerated categories
• Not suitable for customers seeking benefits on offline shopping or non-brand benefits
• High annual fee waiver condition for an entry-level card
• No complimentary lounge access benefits