Tata Croma Titanium Card vs Kotak NRI Royale Signature Credit Card
VS
Fees
Tata
Kotak Mahindra Bank
Joining Fees
₹499
₹1,000
Renewal Fees
₹499
₹1,000
Network
Mastercard
Visa
Editor's Review
3.8
3.6
Free Lounge Access
No
Yes
Features
Tata Croma Titanium Card
- 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
Kotak NRI Royale Signature Credit 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
Editor's Review
Tata Croma Titanium Card
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
Kotak NRI Royale Signature Credit Card
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
