Side-by-side · honest numbers
Kotak Royale Signature Credit Card vs SBI Card ELITE vs YES Bank Marquee Credit Card
Honest side-by-side comparison of Kotak Royale Signature Credit Card, SBI Card ELITE, YES Bank Marquee 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, SBI Card ELITE ranks first for estimated net annual value — ahead of Kotak Royale Signature Credit Card by about ₹1,561/yr.
| Feature | Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI Card ELITE SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹4,999 | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹10,00,000/yr | No waiver published |
| Min income | ₹25,000/mo | ₹60,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹1,701/yr | -₹29/yr |
| Fuel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2X reward points | 5X reward points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Limited domestic lounge visits — verify on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
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?
- SBI Card ELITE leads with an estimated ₹1,701/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.
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
SBI Card ELITE
SBI Card
YES Bank Marquee Credit Card
YES Bank
Your adjusted comparison
| Feature | 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 | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | YES BankPlatinum YES Bank Marquee Credit Card •••• •••• •••• 4242 Quick facts YES Bank Marquee Credit Card Top reward4 RP/₹150 Annual fee₹999 Min income₹40,000/mo Tap to flip back YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹4,999 | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹10,00,000/yr | No waiver published |
| Min income | ₹25,000/mo | ₹60,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹1,701/yr | -₹29/yr |
| Fuel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2X reward points | 5X reward points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Limited domestic lounge visits — verify on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet | Fuel · Rent · Wallet · EMI · Government | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
Kotak Royale Signature Credit Card details →SBI Card ELITE details →YES Bank Marquee Credit Card details →
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https://cardhungry.com/in/en/compare/kotak-royale-vs-sbi-elite-vs-yes-marqueeMore Kotak Royale Signature Credit Card comparisons
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