Kotak Royale Signature vs SBI ELITE
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 6-3. Mid-tier shopping/dining card with solid fee waiver economics. SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | Kotak Royale Signature | SBI ELITE |
|---|---|---|
| Annual fee | ₹999 | · ₹4,999 |
| Joining fee | ₹999 | · ₹4,999 |
| Top reward rate | 4% (shopping) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 reward points worth ₹500 + Pizza Hut voucher | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹250,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 740 | · 770 |
| Editorial rating | · 4/5 | 4.4/5 |
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 ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›Kotak Royale Signature vs SBI ELITE: which is better?
Kotak Royale Signature wins on more dimensions (6 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.