AU Bank Zenith vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 5-4. Mid-tier shopping/dining card with solid fee waiver economics. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | Kotak Royale Signature |
|---|---|---|
| Annual fee | · ₹7,500 | ₹999 |
| Joining fee | · ₹7,500 | ₹999 |
| Top reward rate | 10% (travel) | · 4% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | · ₹800,000 / yr | ₹250,000 / yr |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 780 | 740 |
| Editorial rating | 4.4/5 | · 4/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
Kotak Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
FAQ
›AU Bank Zenith vs Kotak Royale Signature: which is better?
Kotak Royale Signature wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, Kotak Royale Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.