Kotak Royale Signature vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 5-3. Mid-tier shopping/dining card with solid fee waiver economics. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | Kotak Royale Signature | SBI Aurum |
|---|---|---|
| Annual fee | ₹999 | · ₹9,999 |
| Joining fee | ₹999 | · ₹9,999 |
| Top reward rate | = 4% (shopping) | = 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 reward points worth ₹500 + Pizza Hut voucher | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹250,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹300,000 | · ₹3,500,000 |
| Min credit score | 740 | · 800 |
| Editorial rating | · 4/5 | 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›Kotak Royale Signature vs SBI Aurum: which is better?
Kotak Royale Signature wins on more dimensions (5 vs 3). 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.