Kotak Royale Signature vs SBI ELITE
Side-by-side credit card comparison to help you choose the best one.
SBI ELITE
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | ||
|---|---|---|
| Bank | Kotak Mahindra | SBI |
| Card Type | Premium | Super Premium |
| Annual Fee | ₹999 + GST | ₹4,999 + GST |
| Joining Fee | ₹999 + GST | ₹4,999 + GST |
| Rewards | 4 reward points per ₹150 on all spends | 2X reward points on dining, movies & grocery |
| Best For | Travel & Entertainment | Premium Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹1,00,000 - ₹5,00,000 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | 500 reward points on activation | 5000 bonus reward points |
| Min Income | ₹25,000/month | ₹60,000/month |
| Lounge Access | 8 domestic + 2 international per year | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.3 | 4.6 |
| 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
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.
Frequently asked questions
Which is better: Kotak Royale Signature or SBI ELITE?
SBI ELITE has the higher CardKhoj rating (4.6/5) and is best for premium lifestyle. Kotak Royale Signature is the better fit if your priority is travel & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: Kotak Royale Signature and SBI ELITE?
Kotak Royale Signature is cheaper to hold at ₹999 + GST, compared with ₹4,999 + GST for SBI ELITE.
Do Kotak Royale Signature and SBI ELITE offer airport lounge access?
Kotak Royale Signature: 8 domestic + 2 international per year. SBI ELITE: unlimited domestic + 6 international per year.
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.
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