Kotak Royale Signature Credit Card vs InterMiles ICICI Bank Coral Credit Card

Joining Fees

₹1,499

₹1,250

Editor's Rating

3.8

4.3

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
  • Every year, upon renewing the Jet Airways ICICI Bank Coral Credit Card, get 1,250 bonus InterMiles
  • Avail 5% discount on Economy Class tickets booked on Etihad Airways
  • Redemption Miles Back on international flights: 20%
  • BookMyShow and Inox Offer: Avail 25% discount capped up to Rs. 100 on purchase of minimum two tickets per transaction. This benefit can be availed twice in a month (once each on American Express and on Visa variant) on BookMyShow and Inox individually
  • Exclusive dining offers through ICICI Bank Culinary Treats Programme
  • 1% fuel surcharge will not be applicable on fuel transactions of up to Rs. 4,000 at HPCL pumps when the Card is swiped on ICICI Merchant Services swipe machines
  • Accumulate a maximum of 40,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of Rs. 7,500 will be levied to the Credit Card account
  • American Express Connect provides a wide range of special offers in various categories like Travel, Lodging, Dining, Retail and Online Shopping
  • American Express ezeClick is a faster, smarter and secure online payment solution. It replaces the requirement of inserting the Credit Card details every time you shop online with just a single User ID 
  • American Express® Privileges: Get 2 complimentary domestic airport lounge access per quarter (1 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Coral Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter
  • VISA Lounge Access: Get 2 complimentary domestic airport lounge access per quarter (1 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Coral Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter

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

  • 1% fuel surcharge will be applicable on fuel transactions
  • Complimentary airport lounge access
  • Enjoy your favourite movies with offers on BookMyShow and Inox

Cons

  • High interest rates
  • No Golf Privileges

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