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Kotak Mahindra Bank · Kotak Mahindra Bank
Royale Signature vs 811 #DreamDifferent
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
45composite score
95% rule confidence
95% rule confidence
Winner
44composite score
95% rule confidence
95% rule confidence
Annual fee
₹999
Lifetime free
Network
Visa
Mastercard
Base reward rate
1%
0.5%
Min. income (monthly)
₹50,000
₹15,000
Min. credit score
720+
650+
Best for
Travel
Dining
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 0.5% on everything outside a bonus bucket.
Composite score
Royale Signature45
811 #DreamDifferent44
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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