Spar SBI Credit Card vs Kotak NRI Royale Signature Credit Card

Joining Fees

₹499

₹1,000

Editor's Rating

2.5

3.6

Key Features

  • Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
  • On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
  • On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
  • 1% fuel surcharge waiver 
  • 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                                                                                                                                                                                                                                                                                                                                                                                                   

  • Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees 
  • Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores                       

Cons 

  • No Golf/coaching sessions
  • Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes 

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


More comparisions with Spar SBI Credit Card

More comparisions with Kotak NRI Royale Signature Credit Card

Downloads