Craydit Logo

BOB Etihad Guest vs Kotak Royale Signature

Compare BOB Etihad Guest vs Kotak Royale Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

BOB Etihad Guest leads on reward rate, while Kotak Royale Signature has the lowest annual fee.

Card 1

BOB Etihad Guest

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.0

Card 2

Kotak Royale Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2
BOB Etihad Guest - BOB credit card
Balanced value6.0

bob / VISA

BOB Etihad Guest

Annual

₹2,999

Return

3%

Lounges

6

Forex

0%

Card summary
  • BOB Etihad Guest leans travel and lifestyle with ₹2,999 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Kotak Royale Signature - KOTAK credit card
Balanced value5.2

kotak / MASTERCARD

Kotak Royale Signature

Annual

₹1,500

Return

3%

Lounges

6

Forex

3.5%

Card summary
  • Kotak Royale Signature leans travel and lifestyle with ₹1,500 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
BOB Etihad Guest
Kotak Royale Signature
Fees
Annual fee
₹2,999
₹1,500
Joining fee
₹2,999
₹1,500
Rewards
Cashback rate
1%
1%
Reward rate
3%
3%
Travel
Forex markup
0%
3.5%
Domestic lounges
4
4
International lounges
2
2
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹8,00,000
₹6,00,000

Top Credit Card Comparison Links

Compare more cards

Popular comparison pairs to continue exploring similar card matchups.

HDFC Regalia Gold vs BOB Etihad GuestAxis Atlas vs BOB Etihad GuestAU Zenith Plus vs BOB Etihad GuestRBL Insignia vs BOB Etihad GuestICICI Emirates Skywards Emerald vs BOB Etihad GuestYES Marquee vs BOB Etihad GuestHDFC Regalia Gold vs Kotak Royale SignatureAxis Atlas vs Kotak Royale SignatureAU Zenith Plus vs Kotak Royale SignatureRBL Insignia vs Kotak Royale Signature