Kotak Royale Signature vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak Royale Signature wins 7-1. Mid-tier shopping/dining card with solid fee waiver economics. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak Royale Signature | Kotak White |
|---|---|---|
| Annual fee | ₹999 | · ₹3,000 |
| Joining fee | ₹999 | · ₹3,000 |
| Top reward rate | 4% (shopping) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 reward points worth ₹500 + Pizza Hut voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹250,000 / yr | · ₹500,000 / yr |
| Min income | ₹300,000 | · ₹2,500,000 |
| Min credit score | 740 | · N/A |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
Kotak Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Kotak Royale Signature vs Kotak White: which is better?
Kotak Royale Signature wins on more dimensions (7 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Kotak Royale Signature for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.