Kotak Royale Signature Credit Card vs ICICI Bank Coral 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

• Earn up to 10,000 PAYBACK Points from ICICI Bank Rewards every anniversary year
• Annual Fee from second year onwards will be waived off if you spend more than Rs. 1,50,000 in the previous year
• One complimentary access per quarter to selected Airport Lounges in India by spending minimum of Rs 5,000 or above in a calendar quarter on the card to avail this facility in the next calendar quarter
• One complimentary Domestic Railway Lounge visit per quarter
• Avail 25% discount up to Rs.100 on purchase of minimum 2 movie tickets per transaction on BookMyShow and Inox. The offer can be availed twice in a month
• Earn 2 PAYBACK Points on every Rs. 100 spent on your card (except fuel)
• Earn 1 PAYBACK Point on every Rs.100 spent on utilities and insurance categories
• Under the new ICICI Bank Milestone Rewards program, get 2000 PAYBACK Points on spending Rs. 2,00,000 on your card and 1000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 10,000 PAYBACK Points per year
• Exclusive dining offers through ICICI Bank Culinary Treats Programme            
• Whether you are, in India or abroad, enjoy the amazing offers from VISA. Wine, dine and unwind with fabulous offers from luxury hotels, restaurants, lifestyle stores, spas and more
• Mastercard Moments is the exclusive program specially crafted for Mastercard cardholders. This program hosts exceptional experiences designed to inspire and enrich the lives of our Mastercards cardholders, with program members able to enjoy additional benefits
• With ICICI Bank Coral Mastercard Credit Card avail exclusive access to premium airport lounges and railway lounges in India. One complimentary Airport Lounge visit and one complimentary Railway Lounge visit per quarter.  One complimentary Domestic Airport Lounge visit and one complimentary Railway Lounge visit per quarter and lounge access will be applicable only for primary cardholders
• ICICI Bank Coral Mastercard Credit Card also provides exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% fuel surcharge wavier- The offer is valid on a maximum spend of Rs. 4000 per transaction at all HPCL pumps

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

• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% on fuel surcharge every time you refuel
• Discover how your ICICI Bank Coral Credit Card can deliver savings of Rs 11,175 every year

Cons

• If you’re a frequent flyer the offer of 1 complimentary access per quarter to select airport lounges in India isn’t sufficient  
• Limitations on the cost of purchasing movie tickets
• No Golf/coaching sessions

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