Kotak Royale Signature vs Kotak Privy League Credit Card – Which Is Better

Kotak Mahindra Bank offers some of the best premium credit cards in India. Two of its popular cards are the Kotak Royale Signature Credit Card and the Kotak Privy League Signature Credit Card.
Both offer great benefits on travel, dining, and lifestyle — but they target different types of users. Let’s compare them in simple terms to help you decide which one suits you best.

Overview

Kotak Royale Signature Credit Card

The Kotak Royale Signature is a premium rewards card made for people who spend often on travel, dining, and international purchases. It gives you good reward points, lounge access, and milestone benefits.

Kotak Privy League Signature Credit Card

The Kotak Privy League Signature is a luxury card made for high-income users and Privy League customers. It offers top-tier lifestyle and travel privileges with higher reward rates but also higher eligibility requirements.

Key Features and Benefits

Reward Points

Royale Signature Card

• Earn 4 reward points for every ₹150 spent on travel, hotels, and international purchases.
• Earn 2 reward points for every ₹150 spent on other spends.
• Points can be redeemed for flights, hotels, shopping, or gift vouchers.

Privy League Signature Card

• Earn up to 5 reward points for every ₹100 spent on travel, dining, or international transactions.
• 2 points for every ₹100 spent on other categories.
• Higher rewards for premium users who meet relationship or spending levels.

Read More: Best Reward Points Credir Card In 2025

Lounge Access and Travel Benefits

Royale Signature Card

• 2 complimentary domestic airport lounge visits per quarter.
• 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000.
• Railway surcharge waiver on IRCTC bookings.

Privy League Signature Card

• Complimentary access to domestic and international lounges.
• Premium lifestyle privileges and concierge services.
• Special travel offers and milestone rewards for high spenders.

Annual Fees and Waiver

Royale Signature

• Annual fee: Around ₹999 + GST.
• Fee is waived if you spend ₹1 lakh or more in a year.

Privy League Signature

• Annual fee depends on relationship level with Kotak Bank.
• Can be waived if you maintain a high banking relationship or meet the annual spend target (usually ₹12 lakh or more).

Eligibility and Ideal Users

Kotak Royale Signature

• Best for users who spend often on travel and dining.
• Great choice if you want premium benefits at an affordable annual fee.

Kotak Privy League Signature

• Best for high-income professionals and Privy League customers.
• Ideal if you want luxury lifestyle benefits and international travel perks.

Side-by-Side Comparison

Which Card Should You Choose?

Choose Kotak Royale Signature Credit Card if you:

• Spend mainly on travel, dining, and online shopping.
• Want good value with a lower annual fee.
• Want easy access to airport lounges.

Choose Kotak Privy League Signature Credit Card if you:

• Have a high income or strong banking relationship with Kotak.
• Travel internationally and want luxury services.
• Want premium lifestyle and concierge benefits.

Final Thoughts

Both cards are great in their own ways:

• The Royale Signature Card gives excellent value for frequent travelers and everyday spenders.
• The Privy League Signature Card is better for elite customers who want top-tier privileges.

If you want a premium card with simple eligibility and good rewards, go for Kotak Royale Signature.
If you’re a high spender looking for luxury experiences, Kotak Privy League Signature is the right pick.