Kotak Royale Signature Credit Card vs IDFC FIRST Classic Credit Card
Joining Fees
₹1,499
₹0
Editor's Rating
3.8
3.3
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
- Obtain a Gift Voucher of Rs. 500 on spending Rs. 15,000 within 90 days from card issuance
- 5% Cashback on first EMI transaction done within 90 days from card set-up
- 10X Reward Points on all transactions above Rs. 20,000
- 6X Reward Points on Online Spends
- 3X Reward Points on all Offline Spends
- Avail 25% Discount on Movie Tickets with a Maximum of Rs. 100
- 4 complimentary Railway lounge visits every quarter
- Personal Accident Cover worth Rs. 2 Lakh & complimentary lost card liability cover of Rs. 25,000
- Fuel surcharge waiver
- 15% discount at 3,000+ Health and Wellness outlets
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
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Free Road Side Assistance(RSA) worth Rs. 1,399
Cons
- No milestone benefits
- Airport Lounge access limited, depends on the bank’s current offers
- Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers
