Kotak Royale Signature vs AU Zenith+ vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
Our Pick
AU Zenith+
4.4
Why this card wins: Premium Lifestyle — 4.5% value back on select categories
| Feature | Kotak Royale Signature | AU Zenith+ | PNB Rupay Platinum |
|---|---|---|---|
| Bank | Kotak Mahindra | AU Small Finance Bank | Punjab National Bank |
| Card Type | Premium | Super Premium | Entry Level |
| Annual Fee | ₹999 + GST | ₹7,999 + GST | ₹299 + GST |
| Joining Fee | ₹999 + GST | ₹7,999 + GST | ₹99 + GST |
| Rewards | 4 reward points per ₹150 on all spends | 4.5% value back on select categories | 2 reward points per ₹100 on all spends |
| Best For | Travel & Entertainment | Premium Lifestyle | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹2,00,000 - ₹10,00,000 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | 500 reward points on activation | ₹2,000 voucher on first ₹10,000 spend | None |
| Min Income | ₹25,000/month | ₹50,000/month | ₹12,000/month |
| Lounge Access | 8 domestic + 2 international per year | 8 domestic + 4 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.3 | 4.4 | 3.9 |
| Contactless | |||
| EMI Conversion |
Key Features
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
Our Pick
AU Zenith+
Premium Lifestyle
Visa Signature • Super Premium
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
- Milestone bonus of ₹10,000 voucher on ₹5L spend
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, AU Zenith+ ranks highest among your selected cards. It excels at Premium Lifestyle and offers 4.5% value back on select categories.