Kotak Royale Signature Credit Card vs SBI Air India Signature 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

• Avail complimentary membership of the Air India Frequent Flyer program-Flying Returns
• For every Rs. 100 spent, get 4 Reward points
• Every year, you'll receive anniversary gift of 5,000 Reward Points
• Get around 1,00,000 bonus Reward Points annually
• Earn 30 Reward Points for every Rs. 100 spent on Air India tickets booked via its platforms

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

• Get 30 Reward Points while doing your bookings for ownself and get 10 Reward Points while booking for others
• Enjoy International Airport Luxury Lounge Access
• Enjoy the complimentary Visa Lounge Access Program in India at major Domestic Airports
• Enjoy complimentary lost card liability cover of Rs. 1 lakh

Cons

• Joining fee of Rs. 4,999
• Annual fee of Rs. 4,999