Axis Vistara Signature vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 5-2. Mid-tier shopping/dining card with solid fee waiver economics. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | Axis Vistara Signature | Kotak Royale Signature |
|---|---|---|
| Annual fee | · ₹3,000 | ₹999 |
| Joining fee | · ₹3,000 | ₹999 |
| Top reward rate | 5% (travel) | · 4% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | · ₹750,000 / yr | ₹250,000 / yr |
| Min income | · ₹600,000 | ₹300,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | 4.2/5 | · 4/5 |
Benefits compared
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
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
›Axis Vistara Signature vs Kotak Royale Signature: which is better?
Kotak Royale Signature wins on more dimensions (5 vs 2). 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 Axis Vistara Signature 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?
Axis Vistara Signature: Vistara Premium Economy ticket on joining. Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.