Kotak Royale Signature vs PNB Rupay Platinum vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | Kotak Royale Signature | PNB Rupay Platinum | SC Ultimate |
|---|---|---|---|
| Bank | Kotak Mahindra | Punjab National Bank | Standard Chartered |
| Card Type | Premium | Entry Level | Super Premium |
| Annual Fee | ₹999 + GST | ₹299 + GST | ₹5,000 + GST |
| Joining Fee | ₹999 + GST | ₹99 + GST | ₹5,000 + GST |
| Rewards | 4 reward points per ₹150 on all spends | 2 reward points per ₹100 on all spends | 3.33% rewards value on all spends |
| Best For | Travel & Entertainment | Budget Users | Luxury Travel |
| 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 | ₹25,000 - ₹1,50,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 500 reward points on activation | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹25,000/month | ₹12,000/month | ₹1,00,000/month |
| Lounge Access | 8 domestic + 2 international per year | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.3 | 3.9 | 4.7 |
| 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
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
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.