Standard Chartered Emirates World Credit Card vs Kotak NRI Royale Signature Credit Card

• On Emirates transactions of Rs. 150 earn Six Skyward miles, and Three Skyward Miles on every Rs 150 spent on all other transactions.
• Get complimentary lounge access to 25+ domestic lounges through the Mastercard Lounge program and Two complementary accesses to Domestic and International Priority Pass lounges per month. Spend more than Rs 10,000 in a month and enjoy Two free accesses to Priority Pass lounges in the next month.
• Complimentary overseas air accident coverage of Rs. 1 Crore including insurance on the loss of baggage and flight delay
• Get access to three complimentary golf games a year, one free lesson a month and 50% discount on all games.
• Redeem Skywards miles on Emirates, Jet Airways, Qantas, Jetstar, easyJet, JetBlue, Alaska Airlines and more.

• 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

• Earn miles on every transaction
• Airport Lounge access
• Cashback on Duty-Free purchases

Cons

• Interest rate is high
• Annual fee/renewal fee is high

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