YES FIRST Exclusive Credit Card vs Kotak NRI Royale Signature Credit Card

• One complimentary Golf Lesson every calendar month at select golf courses in India
• Complimentary Priority Pass Membership and Unlimited Complimentary Visits outside India for Primary and all Add-on Cardmembers
• Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
• 25% discount on movie tickets when booked on BookMyShow Website or Mobile App

• 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

• 24 Reward Points per Rs. 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
• 12 Reward Points per Rs. 200 spent on all other categories
• Life Insurance Cover 

Cons

• Low reward rate
• Limited redemption options 

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