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SBI IRCTC Platinum vs Kotak Royale Signature

Compare SBI IRCTC 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

Kotak Royale Signature leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

Card 2

Kotak Royale Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2
SBI IRCTC Platinum - SBI credit card
Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 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
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
SBI IRCTC Platinum
Kotak Royale Signature
Fees
Annual fee
₹499
₹1,500
Joining fee
₹499
₹1,500
Rewards
Cashback rate
1%
1%
Reward rate
2%
3%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
2
4
International lounges
0
2
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹2,00,000
₹6,00,000

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