Lifestyle HC SBI Card vs Kotak NRI Royale Signature Credit Card
Joining Fees
₹499
₹1,000
Editor's Rating
2.5
3.6
Key Features
- 1% fuel surcharge waiver
- Earn 1,000 bonus Reward Points on annual spends of Rs 20,000 across all Landmark Stores
- Earn 2,000 bonus Reward Points on annual spends of Rs 45,000 across all Landmark Stores
- Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
- Avail 2X rewards on spends outside India; i.e. avail 2 rewards points for every Rs. 200 spent
- Fuel Surcharge Waiver
- Railway Surcharge Waiver
- NRI Royale Shield
Editor's Review
Pros
- Convert the Reward Points into Landmark rewards and get dual benefit
- Get 5 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
- Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
Cons
- No Airport Lounge access
- No Golf/coaching sessions
Pros
- This card is good for Indians who are residing overseas
- Freedom to purchase and pay in INR
- Complimentary access to Airport Lounges in India
Cons
- No Golf Privileges
- No Concierge Services
- This card isn’t good for those who desire a low foreign currency mark up card
