SimplySave SBI Card vs Kotak NRI Royale Signature Credit Card

• Renewal Fee reversed if annual spends for last year is more than Rs. 1,00,000
• Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points
• Get 10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends.
• On all other spends, earn 1 Reward Point per Rs 150 spent
• Get freedom from paying the 1% fuel surcharge at any petrol pump. Transact an amount between Rs. 500 to Rs. 3,000 at any petrol pump in India to avail this offer
• Earn 1 Reward Point on every Rs. 150 that you spend using the SimplySAVE SBI Card

• 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

Pros

• 1% fuel surcharge at any petrol pump
• Enjoy 10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends
• Get annual membership fee reversal from second year of your subscription

Cons

• No Golf/coaching sessions
• Fee waiver on minimum spend of Rs. 1,00,000
• No complimentary Airport Lounge Access

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