Kotak Zen or Royale Signature Credit Card? Which is Right for You?

Make sure you choose the right card – compare the Kotak Zen and Royale Signature Credit Card features to find out which is perfect for you.

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Are you searching for the perfect credit card for your needs? With so many options available, it isn’t easy to know which one is right for you. One excellent choice is to compare the Kotak Zen Credit Card or the Royale Signature Credit Card from Kotak Mahindra Bank.

In this article, we will look at both cards and assess which one might suit your individual needs. 

Here is the side-by-side comparison of Both Credit cards.

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Joining & Annual Fees

Kotak Bank offers two signature credit cards to its customers: the Kotak Royale Signature Credit Card and the Kotak Zen Signature Credit Card. Both cards provide amazing rewards and benefits, but there are some differences in the joining fees. 

The Joining Fee for the Kotak Royale Signature Credit Card is Rs 999, renewable at no cost if you spend more than Rs 1,00,000 in the preceding year. 

On the other hand, for Kotak Zen Signature Credit Card, there is a Joining Fee of Rs 1500 + GST and a Renewal Fee of Rs 1500 yearly. However, the annual fee can be waived if you spend more than Rs 1,50,000 a year. 

With either card, you can enjoy exclusive discounts and rewards that make your spending more rewarding.

Welcome Benefits

The Kotak Zen Signature Credit Card is a great choice for anyone looking for a credit card that offers welcome benefits and rewards. With this card, you will get 1500 Zen Points when you pay the joining fees. 

The Kotak Royale Signature Credit Card offers no welcome benefits but exclusive offers and discounts on travel, entertainment, shopping and more. 

Reward Rate

Kotak Royale Signature and Kotak Zen Signature are two popular credit cards with great rewards. The Rewards Rate for the Kotak Royale Signature Credit Card is between 0.6% and 1.2%, while the Rewards Rate for the Kotak Zen Signature Credit Card is between 0.83% and 2.2%. 

This means that the Kotak Zen Signature Credit Card provides a higher rewards rate than the Royale Signature Credit Card, making it a better option for those looking to maximize their rewards. 

Airport Lounge Access

The Kotak Royale Signature Credit Card offers a range of benefits, including access to domestic airport lounges across India. This card is an excellent choice for those who travel within India and need access to a lounge to rest or relax. 

On the other hand, the Kotak Zen Signature Credit Card offers domestic and international airport lounge access through the Priority Pass program. 

This card is ideal for frequent flyers requiring access to Indian and international airports. Compared with the Royale Signature Credit Card, the Kotak Zen card is undoubtedly superior due to its added advantages of international lounge access.

As such, it is a better choice for frequent travellers who seek luxury and convenience when flying abroad.

Conclusion

Kotak Royale Signature Credit Card is an entry-level credit card that provides various benefits such as travel and lifestyle rewards, cashback offers, fuel surcharge waiver and more. 

On the other hand, Kotak Zen Signature Credit Card is a premium-level credit card that provides extra features like complimentary lounge access at airports and higher reward rates. 

Both cards offer great value to customers. However, Kotak Zen stands out from the Royale Signature Credit Card in terms of its additional benefits. 

Thus, when compared to Royale Signature Credit Card, Kotak Zen proves to be a better option for customers looking for more than just a basic credit card. 

In conclusion, if you are looking for a premium credit card with added advantages over an entry-level one, then Kotak Zen Signature Credit Card is worth considering.

Read More:

• What are the income criteria for a zen signature credit card holder?
• What is the Kotak Zen Signature credit card limit?