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Kotak Royale Signature Credit Card vs InterMiles ICICI Rubyx Credit Card

Joining Fees

₹1,499

₹2,500

Editor's Rating

3.8

4.1

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 on renewal, get 2,500 renewal bonus InterMiles and a complimentary discount code worth Rs. 250
  • Avail 5% discount on Economy Class tickets booked on Etihad Airways
  • Redemption Miles Back on international flights: 25%
  • Exclusive dining offers through ICICI Bank Culinary Treats Programme
  • Complimentary access to select lounges at airports in India

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
  • Earn up to 8 InterMiles per Rs 100 spent
  • Enjoy your favourite movies with offers on BookMyShow and Inox

Cons

  • High-interest rate
  • High Joining Fees
  • No Golf Privileges

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