Kotak Royale Signature vs SBI SimplySAVE
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 | SBI |
| Card Type | Premium | Rewards |
| Annual Fee | ₹999 + GST | ₹499 + GST |
| Joining Fee | ₹999 + GST | ₹499 + GST |
| Rewards | 4 reward points per ₹150 on all spends | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Travel & Entertainment | Everyday Spending |
| 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 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 500 reward points on activation | 500 bonus reward points |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 2 international per year | None |
| 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 | ₹249 + GST |
| Rating | 4.3 | 4.2 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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 SBI SimplySAVE?
Kotak Royale Signature has the higher CardKhoj rating (4.3/5) and is best for travel & entertainment. SBI SimplySAVE is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: Kotak Royale Signature and SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹999 + GST for Kotak Royale Signature.
Do Kotak Royale Signature and SBI SimplySAVE offer airport lounge access?
Kotak Royale Signature: 8 domestic + 2 international per year. SBI SimplySAVE: 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.
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