Kotak Mahindra Bank
Royale Signature Credit Card

Kotak Royale Signature Credit Card is one of the best credit cards for frequent flyers. The card offers rewards on every spending, complimentary airport lounge access, credit card insurance, and many other remarkable features. This card comes with a joining fee of Rs. 1,499 and an annual fee of Rs. 999.

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Key Highlights of Kotak Royale Signature Credit Card

Below are the key highlights of Royal Signature Kotak Credit Card:

  • You can avail a Kotak Royale Signature credit card variant that comes with zero joining fee.
  • Kotak Royale credit card annual fee is completely waived off on minimum annual retail spends of Rs. 1 Lakh.
  • The card provides complimentary airport lounge access.
  • Earn reward points on every spend of Rs. 150 and opt for instant Kotak Royale reward points redemption.
  • Credit card insurance up to Rs. 2,50,000 against loss and theft.
  • Annual fuel surcharge waiver up to Rs. 3,500 available.
  • Annual railway surcharge waiver up to Rs. 500 available.
  • You can check Kotak Royale Signature credit card reviews available online to know how beneficial this card is.

Features & Benefits of Kotak Royale Signature Credit Card

  • Earn up to 4X reward points on spending every Rs. 150 on special categories and 2X reward points on other categories.
  • Special categories include hotels, restaurants, travel agencies & tour operators, package tour operators, airlines & air carriers, and international spends.
  • You can opt for Kotak Royale Signature credit card reward points redemption against a host of redemption options, including air tickets, 10,000 merchandise, mobile recharge, and so on, through easyrewardz with easy points.
Airport Lounge Access
  • Complimentary access to airport lounges across India with benefits like gourmet meals, widescreen TVs, comfortable seating, newspaper & magazines, free Wi-Fi, and so on.
Enhanced Security
  • You get a cover of Rs. 2.5 Lakhs against fraudulent usage for up to 7 days pre-reporting in case your Royal Signature Card Kotak is stolen.
  • You have to call Customer Contact Centre on 1860 266 2666 immediately and get your royal signature kotak credit card deactivated or blocked to prevent any misuse and register a claim with the Insurance Company.
Priority Attend
  • If you have any query regarding your card and its usage, you can SMS "KASSIST" to 5676788 and bank representatives will call back within 2 hours.
  • You can also call the bank for complimentary cheque pickup to pay your monthly dues.
Fuel Surcharge Waiver
  • Get up to Rs. 3,500 fuel surcharge waiver annually on transactions between Rs. 500 and Rs. 3,000.
  • Customers will not earn reward points on their fuel transactions.
Railway Surcharge Waiver
  • Get railway surcharge waiver up to Rs. 500 annually for transactions on www.irctc.co.in and Indian Railways Booking Counters.
  • Customers will not earn reward points on their railway surcharge waiver.
Add-on Card
  • Apply for an Add-on Card for your family member having the same benefits that you enjoy.
  • You can set the spending limit on Add-on Card as you desire. This is one of the best Kotak Royale credit card benefits.
  • You can also track spends separately for each of your Add-on Card.

Kotak Royale Signature Credit Card Fees & Charges

  • Joining Fee: Nil for Royale No Joining Fee and Rs. 1,499 for Royale with Joining Fee.
  • Annual Fee: Rs. 999. Waived off on minimum annual spends of Rs. 1 Lakh.
  • Interest charges on outstanding balance: 3.4% (37.2% p.a.)
  • ATM Cash Withdrawal/ Fund Transfer/ Call a Draft/ Cash Advance charges per Rs. 10,000 or part thereof: Rs. 300
  • Over limit charges: Rs. 500
  • Cheque bounce charges: Rs. 500
  • Foreign currency markup: 3.5%
  • Cash payment at bank: Rs. 100
  • Reissuance or replacement of card: Rs. 100 per issuance

Kotak Royale Signature Credit Card Eligibility

  • For the Royale Signature Credit Card, the primary applicant must be aged between 21 and 65 years.
  • Add-on card holder should be aged 18 years and above.
  • The applicant must be an Indian resident.
  • The applicant must be a salaried employee or a self-employed person.
  • The applicant must provide a valid income proof.
  • The applicant must be earning at least Rs. 24 Lakhs or above per annum.
  • The applicant must be a resident of the locations within India that are serviceable by the bank, i.e. Delhi (including Gurgaon & Noida), Ahmedabad, Mumbai, Pune, Bangalore, Chandigarh, Hyderabad, Chennai, and Kolkata.