YES FIRST Business Credit Card vs Kotak NRI Royale Signature Credit Card
Joining Fees
₹4,999
₹1,000
Editor's Rating
2.8
3.6
Key Features
- Earn Renewal benefit of 15,000 Reward Points on each renewal
- Domestic Airlines and Dining: 4 Reward Points per Rs. 100 spent on all other categories
- Complimentary Priority Pass Membership for the Primary Cardmember- Complimentary International lounge access and complimentary access to MasterCard affiliated lounges across Indian airports
- Enjoy one complimentary golf lesson every calendar month
- Fuel Surcharge Waiver
- Insurance Coverage
- 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
- Annual Bonus Reward Points: Earn 20,000 Reward Points on achieving annual spends of Rs. 12 Lakhs or more in each anniversary year
- Reward Points Accrual: 8 Reward Points per Rs. 100 spent on Travel Agencies & Tour Operators
- Cash Advances and Overdue Amount: Preferential Foreign Currency Markup of 1.75% only
Cons
- You will not earn any extra rewards on international expenditure
- Air mile conversion option is only available with InterMiles
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
