Kotak White Credit Card vs Kotak Royale Signature Credit Card

In comparison to Kotak Mahindra’s credit cards are among the best. As a result, they all provide amazing and rewarding experiences to their customers. The top-ranking Kotak Credit Cards are the Kotak White Credit Card vs Kotak Royale Signature Credit Card. Furthermore, the Kotak White Card is designed for shoppers, travelers, and others seeking an exceptional rewards experience. Here you can learn about a variety of benefits ranging from Global VIP Pass to White Pass Value. Similarly, the Kotak Royale Signature Credit Card will save you a significant amount of money on travel and shopping expenses. However, the Royale Signature Credit Card rewards can be used to purchase airline tickets, mobile phone recharges, merchandise, and much more.

Dive deeper into this article to know more about the Kotak White Card vs Kotak Royale Signature Card.

Kotak white Credit Card vs Kotak Royale Signature Credit Card: Benefits

Kotak Mahindra Bank offers huge benefits on credit cards. Therefore, the customers are highly satisfied with both credit cards.

The benefits of White Credit Card and Royale Signature Credit Card are listed below:

ParticularsKotak White Credit CardKotak Royale Signature Credit Card
Welcome Gift Acquire worth INR 1500 White Pass Value on spending INR 30,000 in 60 days. No welcome benefit
Reward PointsEarn White Pass Value up toINR 27,000 on your White Card with annual spending of INR 12 lakhs.Get 4 reward points every time for spending INR 150 across all spends on your Royale Signature Card.
Priority Pass MembershipEnjoy the Priority Pass Membership for free of $99 with Kotak White Credit Card.No Priority Pass Membership benefits
Complimentary Lounge AccessThe White Credit Card is equipped with 8 Domestic and 4 International lounge visits. Avail of 2 domestic visits at no cost with the Royale Signature Credit Card.
Add-on CardComplimentary Add-on benefits for your loved ones. The Add-on card feature that comes with the Royale Signature Credit Card comprises all the benefits that you will get with the primary credit card.
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Kotak white Card vs Kotak Royale Signature Card: Features

There are several features that distinguish the White Credit Card and Royale Signature Credit Card from each other.

Particulars Kotak White Credit CardKotak Royale Signature Credit Card
Card InsuranceKotak White Card is covered with an insurance amount of Rs. 2,50,000. No Card Insurance comes with the Kotak Royale Signature Card.
Fuel Surcharge Waiver Instant 1% fuel surcharge across all the fuel stations in India. In an anniversary year, you can avail of up to Rs. 3500 fuel surcharge waiver.
Railway Surcharge WaiverSave 1.8% to 2.5% on your railway tickets. However, the tickets should be booked through www.irctc.co.in.If you use the Kotak Royale Signature Credit Card to book railway tickets through www.irctc.co.in, you can save up to Rs. 500.
Interest-Free PeriodEnjoy a 3-month interest-free period from the date of issuance of the White Credit Card.The Kotak Royale Signature Credit Card does not offer an interest-free period.

Kotak white Card vs Kotak Royale Signature Card: Eligibility

The credit card eligibility that distinguishes the Kotak White Credit Card from Kotak Royale Signature Credit Card is as follows:

ParticularsKotak White Credit CardKotak Royale Signature Credit Card
AgeKotak White Card applicants must be between the ages of 28 and 65.You must be between the ages of 21 and 65 to obtain the Kotak Royale Signature Card.
IncomeYour annual income should be Rs. 25 LakhAnnually you should be earning around Rs. 24 Lakh.
CitizenshipAs of now only Indians are eligible to apply for the Kotak White Credit Card.Resident of India
Add-on Card Member’s AgeThe add-on cardholder must be at least 18 years old.Your beloved should be at least 18 years old.
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Kotak white Card vs Kotak Royale Signature Card: Fees and Charges

Both Kotak Credit Cards have a separate set of fees and charges structure. The Kotak White Credit Card is a high-end credit card design for those looking for a luxurious experience. Further, the Kotak Royale Signature Credit Card, on the other hand, has a low joining fee.

The fee structure for the White Credit Card and Royale Signature Credit Card is as follows:

ParticularKotak White Credit CardKotak Royale Signature Credit Card
Joining FeeINR 3000/-INR 1499/-
Annual FeeINR 3000

However you can waive the annual fee of White Credit Card by spending INR 5 Lakh annually.
INR 999

With an annual spend of INR 1 Lakh your annual fee for the Kotak Royale Signature Credit Card would be waived.
Add-on CardNILNIL
Interest Charges on outstanding Balances3.1% p.m3.5% p.m
ATM Cash WithdrawalINR 300INR 300
Late Payment Charges- A late payment fee of INR 100 is applied to amounts less than or equal to INR 500.

- Pay up to INR 500 for amounts between INR 501 and INR 10,000.

- Similarly, for amounts greater than INR 10,000, a fee of INR 700 is levied.
- You must pay INR 100 for amounts equal to or less than INR 500.

- A INR 500 late payment fee is applied to amounts ranging from INR 501 to INR 1000.

- A late payment fee of INR 500 is required for amounts greater than INR 10,000.
Over Limit ChargeINR 500INR 500
Cheque Bounce ChargesINR 500INR 500
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Kotak White Card vs Kotak Royale Signature Card: Rewards Redemption

The reward redemption plan of White Credit Card and Royale Signature Credit Card:

Kotak White Credit CardKotak Royale Signature Credit Card
The White Pass Value you have earned can be redeemed to book flights, make big-brand purchases, book hotels, do charity, or organize national geographic tours. Redeem your Royale Signature Credit Card rewards for a variety of items such as airline tickets, mobile recharge, 10,000 merchandise, and much more.

Conclusion

The primary differences between the Kotak White Credit Card and the Kotak Royale Signature Credit Card have already covered. In addition to the above features, both Kotak Credit Cards come with customer service and priority attendance. As a result, all of your issues would be resolved immediately. However, in comparison to competitors, both are the Best Credit Cards. You can try the one that best meets your needs.

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