YES Prosperity Business Card vs Kotak NRI Royale Signature Credit Card

• 4 Reward Points per Rs. 100 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining, 2 Reward Points per Rs. 100 spent on all other categories, and 500 Reward Points on each YES PayNow registration
• Complimentary Priority Pass membership that provides 3 complimentary International lounge access for Primary Cardmembers in a calendar year
• MasterCard Lounge Program: 2 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports
• Enjoy one complimentary Golf lesson every calendar month
• Fuel surcharge waived in all fuel stations in India for transactions

• 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

• Annual Reward Points 
• Reward Points Redemption 
• Insurance Coverage 

Cons

• Joining fees is bit on higher side

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