Side-by-side · honest numbers
Kotak Royale Signature Credit Card vs SBI SimplyCLICK vs YES Bank Marquee Credit Card
Honest side-by-side comparison of Kotak Royale Signature Credit Card, SBI SimplyCLICK, 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 SimplyCLICK ranks first for estimated net annual value — ahead of Kotak Royale Signature Credit Card by about ₹1,641/yr.
| Feature | Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI SimplyCLICK SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹499 | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹1,781/yr | -₹29/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Fuel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Travel | — | — | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2X reward points | 10X points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Limited domestic lounge visits — verify on issuer site | None | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplyCLICK has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- SBI SimplyCLICK leads with an estimated ₹1,781/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- 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 SimplyCLICK
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 CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK 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 | ₹499 | ₹999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹1,781/yr | -₹29/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — |
| Fuel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Travel | — | — | 4 pts per ₹150 spend → ₹33/mo (₹400/yr) |
| Top reward rate | 2X reward points | 10X points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Limited domestic lounge visits — verify on issuer site | None | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| UPI rewards | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/kotak-royale-vs-sbi-simplyclick-vs-yes-marqueeMore Kotak Royale Signature Credit Card comparisons
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