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DBS Bank Visa Platinum vs Kotak Royale Signature

Compare DBS Bank Visa Platinum 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

DBS Bank Visa Platinum has the strongest mix of rewards and low fees in this comparison.

Card 1

DBS Bank Visa Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.0

Card 2

Kotak Royale Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2
DBS Bank Visa Platinum Credit Card
Balanced value5.0

dbs / VISA

DBS Bank Visa Platinum

Annual

₹1,500

Return

3%

Lounges

6

Forex

2.5%

Card summary
  • DBS Bank Visa Platinum 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
  • 2.5% 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
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
DBS Bank Visa Platinum
Kotak Royale Signature
Fees
Annual fee
₹1,500
₹1,500
Joining fee
₹1,500
₹1,500
Rewards
Cashback rate
0.75%
1%
Reward rate
3%
3%
Travel
Forex markup
2.5%
3.5%
Domestic lounges
4
4
International lounges
2
2
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹6,00,000
₹6,00,000

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