Kotak Royale Signature vs SBI Air India 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. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | Kotak Royale Signature | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹999 | · ₹4,999 |
| Joining fee | ₹999 | · ₹4,999 |
| Top reward rate | · 4% (shopping) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 reward points worth ₹500 + Pizza Hut voucher | = 20,000 Air India reward points |
| Fee waiver threshold | ₹250,000 / yr | · ₹500,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 740 | · 780 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›Kotak Royale Signature vs SBI Air India 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 Kotak Royale Signature for its best categories, SBI Air India Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher. SBI Air India Signature: 20,000 Air India reward points.