Kotak Royale Signature Credit Card vs IDFC FIRST Millennia Credit Card

Kotak Royale Signature Credit Card

IDFC FIRST Millennia Credit Card

Joining Fees

₹1,499

₹0

Editor's Rating

3.8

2.75

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

Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
5% cashback on making the first EMI transaction made within 90 days of card set-up
Avail 10X Reward Points on all transactions above Rs. 20,000
Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
Once a month, get a 25% discount on movie tickets up to Rs. 100
Personal Accident Cover of Rs. 2 Lakh
Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
Free Road Side Assistance(RSA) worth Rs. 1,399
1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
10X Rewards on all spends done on your Birthday

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