Kotak Royale Signature Credit Card vs HDFC Bank Tata Neu Plus 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

* Get 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
* Get 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
* Avail 1% back as NeuCoins on UPI spends
* Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
* By spending Rs.1,00,000 or more in a year, before the Credit Card's renewal date, get renewal fee waived off
* Zero lost card liability
* Interest-Free Credit Period of up to 50 days 
* Revolving Credit is available at a nominal interest rate 
* 4 Complimentary Domestic Lounge Access per calendar year
* 1% fuel surcharge waiver at fuel stations in India. This is applicable on minimum transaction of Rs. 400 & maximum transaction of Rs. 5,000

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

* Tata Neu Plus HDFC Bank Credit Card is enabled for contactless payments
* Airport lounge access
* Fuel surcharge

Cons

* No golf benefits
* Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app