Kotak Royale Signature vs RBL ShopRite
Side-by-side credit card comparison to help you choose the best one.
Kotak Royale Signature
Why this card wins: Travel & Entertainment — 4 reward points per ₹150 on all spends
| Feature | ||
|---|---|---|
| Bank | Kotak Mahindra | RBL Bank |
| Card Type | Premium | Cashback |
| Annual Fee | ₹999 + GST | ₹500 + GST |
| Joining Fee | ₹999 + GST | Nil |
| Rewards | 4 reward points per ₹150 on all spends | 5% cashback on grocery & supermarket |
| Best For | Travel & Entertainment | Grocery & Supermarket |
| Interest Rate | 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 - ₹2,00,000 |
| Welcome Benefit | 500 reward points on activation | None |
| Min Income | ₹25,000/month | ₹15,000/month |
| Lounge Access | 8 domestic + 2 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.3 | 4 |
| 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
RBL ShopRite
Grocery & Supermarket
Mastercard • Cashback
- 5% cashback on grocery spends (cap ₹200/month)
- 1% cashback on all other spends
- Fuel surcharge waiver
- Easy EMI conversion on large purchases
Verdict
Based on rating and overall value, Kotak Royale Signature ranks highest among your selected cards. It excels at Travel & Entertainment and offers 4 reward points per ₹150 on all spends.
Frequently asked questions
Which is better: Kotak Royale Signature or RBL ShopRite?
Kotak Royale Signature has the higher CardKhoj rating (4.3/5) and is best for travel & entertainment. RBL ShopRite is the better fit if your priority is grocery & supermarket. The right choice depends on where you spend most.
Which has the lower annual fee: Kotak Royale Signature and RBL ShopRite?
RBL ShopRite is cheaper to hold at ₹500 + GST, compared with ₹999 + GST for Kotak Royale Signature.
Do Kotak Royale Signature and RBL ShopRite offer airport lounge access?
Kotak Royale Signature: 8 domestic + 2 international per year. RBL ShopRite: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.