Kotak Royale Signature Credit Card vs InterMiles ICICI Bank Sapphiro 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

• Every year at the time of renewal, get 5,000 renewal bonus InterMiles along with a complimentary discount code
• Complimentary Airport Lounge access
• Complimentary Golf rounds, movie tickets, discounts on dining and more
• Discount on Economy Class tickets booked on Etihad Airways: 5%
• Discount on Business Class tickets booked on Etihad Airways: 10%

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

• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport Platform
• Two International Airport Lounge visits and Two spa sessions at selected airports in India every year, through complimentary DragonPass membership

Cons

• High-interest rate
• High Joining Fees

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