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Kotak Mahindra Bank · Kotak Mahindra Bank
PVR Gold vs Royale Signature
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
39composite score
82% rule confidence
82% rule confidence
Winner
45composite score
95% rule confidence
95% rule confidence
Annual fee
₹499
₹999
Network
Visa
Visa
Base reward rate
0%
1%
Min. income (monthly)
—
₹50,000
Min. credit score
—
720+
Best for
Everyday spends
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Royale Signature edges out for most wallets.
- Better base rate, 1% vs 0% on everything outside a bonus bucket.
Composite score
PVR Gold39
Royale Signature45
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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