Kotak Royale Signature Credit Card vs HDFC AllMiles
Joining Fees
₹1,499
₹1,000
Editor's Rating
3.8
3.2
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
- Accumulate Three reward points for every Rs 150 you spend
- 2x reward points will be given for hotel bookings, mobile recharge, and shopping
- On fuel transactions get 1% Fuel Surcharge waiver. Minimum transaction of Rs. 400, Maximum Cashback of Rd. 500 per statement cycle
- With the EMV Chip Card technology, you'll stay protected against unauthorized use of your credit card
- If you lost your credit card, be assured of zero liability after reporting the loss
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
- Get first year’s membership free by spending Rs 15,000 within the first 90 days
- Renew your membership free by spending Rs. 1,00,000 in a year
- Free access to over 600 exclusive airport lounges
Cons
- High-interest rate
- No golf privileges
- High renewal fees if you don’t spend Rs. 1 lakh in a year
