Compare IRCTC SBI Platinum Card vs Kotak Royale Signature Credit Card

As a Welcome Gift, receive 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included. You can earn Rs. 100 cash back on the first ATM cash withdrawal within 30 days of receiving the card
Buy tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points.
Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Log on to irctc.co.in and avail exclusive travel privileges, book airline tickets with IRCTC at unbeatable prices. Avail wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at over 5,000 hotels, covering 350 cities in India
Enjoy 4 complimentary railway lounge access in a year to participating lounges in India
Use IRCTC SBI Platinum Card to book railway tickets online and get them delivered at your doorstep
IRCTC SBI Platinum Card provides great offers on travel, golf, dining and other entertainment options from Visa
Easy Money lets you avail money just when you need it and get the cheque or draft delivered at your home
IRCTC SBI Platinum Card is a travel card and can be used in over 29 million Visa outlets worldwide & 3,25,000 outlets in India
With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
Transfer the outstanding balance of your other bank’s credit card to your IRCTC SBI Platinum Card, and avail a lower rate of interest and pay back in EMIs

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

Pros

Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charge
Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card

Cons

Interest rate charges are bit high
While the IRCTC SBI Platinum Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points

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