Kotak NRI Royale Signature Credit Card VS AU Traverse Credit Card VS Axis Bank LIC Platinum Credit Card VS Axis Bank LIC Signature Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Kotak NRI Royale Signature Credit Card
AU Traverse Credit Card
Axis Bank LIC Platinum Credit Card
Axis Bank LIC Signature Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Accelerated rewards: 2 reward points per Rs. 200 on international spends.
High redemption value: 1 Reward Point = Re 1/-, making rewards highly valuable.
Complimentary domestic airport lounge access with 2 visits per quarter for travelers.
Avoids foreign card mark-up fees when paying in INR during visits to India.
Fuel and railway surcharge waivers provide significant annual savings.
Pros
Key benefits and features.
Enjoy a significantly low foreign currency markup of just 0.99% on all international transactions.
Benefit from complimentary domestic and international airport lounge access for enhanced travel comfort.
Receive valuable Taj Hotels milestone vouchers, adding significant value to your annual spending.
Experience seamless travel with complimentary airport Meet & Assist services and relaxing spa access.
The AU Traverse Credit Card offers zero cash advance charges, providing financial flexibility.
Pros
Key benefits and features.
Nil joining and annual fees make this card cost-effective for long-term use without recurring charges.
Enhanced 2 Reward points per ₹100 on LIC premiums and foreign currency spends maximize targeted rewards.
1% fuel surcharge waiver up to ₹400 monthly helps frequent fuel users reduce transaction costs.
Complimentary lost card liability insurance up to credit limit adds valuable peace of mind.
Easy EMI option on purchases of ₹1500+ provides flexible payment choices for larger spends.
Pros
Key benefits and features.
Nil joining and annual fees make it cost-effective for long-term ownership and regular use.
High 2x reward rate on LIC premiums and foreign currency spends maximises value for target users.
8 complimentary domestic lounge visits per year enhance travel comfort at no extra cost.
1% fuel surcharge waiver with up to ₹400 monthly benefit reduces driving expenses on eligible fuel spends.
Activation cashback up to ₹300 on first utility bill and lost card liability cover add immediate utility and security.
Cons
Key drawbacks and limitations.
The card charges an annual fee of Rs. 1,000/-, which is not waived based on spend.
A one-time fee of Rs. 599/- applies for each add-on card issued to family members.
Waivers for fuel and railway surcharges come with annual limits, restricting total savings.
Lounge access is restricted to domestic airports in India and has a quarterly cap.
Cons
Key drawbacks and limitations.
Domestic lounge access on the AU Traverse Credit Card requires a minimum quarterly spend of ₹20,000.
The base reward rate offered by the AU Traverse Credit Card is considered moderate compared to competitors.
The AU Traverse Credit Card lacks specific golf or comprehensive insurance coverage benefits.
Eligibility for complimentary lounge access is subject to certain spend conditions each quarter.
Cons
Key drawbacks and limitations.
Base rewards exclude fuel, wallet load, and EMI transactions, limiting earnings for common spends.
Foreign currency transaction fee of 3.5% and DCC markup of 1.5% raise costs on international use.
Finance charges of 3.75% per month (55.55% p.a.) are high for retail purchases and cash advances.
Reward redemption requires calling customer care and carries a ₹30 fee per redemption.
No explicit lounge access, travel perks, or milestone bonuses for high spenders.
Cons
Key drawbacks and limitations.
Finance charges at 3.75% per month (55.55% p.a.) are steep and can erode benefits if balances are revolved.
Cash withdrawal fee of 2.5% (min ₹500) makes ATM usage expensive for liquidity needs.
Foreign currency markup of 3.50% is high and may not be fully offset by rewards on international spends.
Post-2024 transaction fees on education, utility, wallet load, fuel and gaming can accumulate if thresholds are met.
Reward caps and redemption value clarity are limited, with no detailed partner transfer program disclosed.