Tata Croma Titanium Card vs Kotak NRI Royale Signature Credit Card

Joining Fees

₹499

₹1,000

Editor's Rating

3.8

3.6

Key Features

  • 500 Empower points on spends of Rs. 2,000 in the first 60 days
  • 1.5% Value back on spends @ Croma & cromaretail.com
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery 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

  • Welcome Benefits 
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery stores

Cons

  • High-interest rate
  • No Airport Lounge access 
  • No Golf games

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


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