Kotak Royale Signature vs IDFC First WOW vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
| Feature | Kotak Royale Signature | IDFC First WOW | RBL ShopRite |
|---|---|---|---|
| Bank | Kotak Mahindra | IDFC First Bank | RBL Bank |
| Annual Fee | ₹999 + GST | Lifetime Free | ₹500 + GST |
| Joining Fee | ₹999 + GST | Nil | Nil |
| Rewards | 4 reward points per ₹150 on all spends | 10X reward points on every spend category | 5% cashback on grocery & supermarket |
| Best For | Travel & Entertainment | All-Round Rewards | Grocery & Supermarket |
| Card Type | Premium | Rewards | Cashback |
| Rating | 4.3 | 4.5 | 4 |
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
IDFC First WOW
All-Round Rewards
- ✓ No annual or joining fee ever
- ✓ 10X reward points on all categories
- ✓ 6 domestic + 2 international lounge visits
- ✓ Never expiring reward points
RBL ShopRite
Grocery & Supermarket
- ✓ 5% cashback on grocery spends (cap ₹200/month)
- ✓ 1% cashback on all other spends
- ✓ Fuel surcharge waiver
- ✓ Easy EMI conversion on large purchases
Our Recommendation
Based on rating and overall value, IDFC First WOW currently ranks highest among your selected cards.