Side-by-side · honest numbers
AU Zenith Credit Card vs Kotak Royale Signature Credit Card vs RBL Bank Icon Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, Kotak Royale Signature Credit Card, RBL Bank Icon Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Kotak Royale Signature Credit Card ranks first for estimated net annual value — ahead of RBL Bank Icon Credit Card by about ₹5,060/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹999 | ₹5,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹140/yr | -₹4,920/yr |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 3X points/₹150 | 2X reward points | 2X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Limited domestic lounge visits — verify on issuer site | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Royale Signature Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- Kotak Royale Signature Credit Card leads with an estimated ₹140/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Royale Signature Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Zenith Credit Card
AU Small Finance Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
RBL Bank Icon Credit Card
RBL Bank
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹999 | ₹5,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹140/yr | -₹4,920/yr |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 3X points/₹150 | 2X reward points | 2X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Limited domestic lounge visits — verify on issuer site | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/au-zenith-vs-kotak-royale-vs-rbl-iconMore AU Zenith Credit Card comparisons
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