Kotak Mahindra Bank

Kotak Royale Signature Credit Card

Airport Lounge Access

Dining

Travel

MyBankingTips Rating

Joining Fee: ₹1499* Plus Applicable Taxes

Renewal Fee: ₹999*Plus Applicable Taxes

Airport Lounge Access

Dining

Travel

MyBankingTips Rating

Joining Fee: ₹1499* + Tax

Renewal Fee: ₹999* + Tax

Airport Lounge Access

Get 8 complimentary domestic lounge visits per year

Dining

Earn 2X reward points at restaurants

Travel

Earn 2X reward points on selected travel expenses

Welcome benefits:- N/A

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Kotak Royale Signature Credit Card

Kotak Royale Signature Credit Card is a rewards card focused on travel-related benefits. Cardholders earn 2X rewards (4 points per Rs. 150 spent) on hotels, airlines & air carriers, restaurants, travel agencies, tour operators (including package tours), and international spends. Other categories earn 2 points per Rs. 150 spent.

The card’s overall reward rate is modest—around 0.66% on travel spends and 0.33% on other spends—because 1 Reward Point can be redeemed for up to Rs. 0.25.

Apart from rewards, the card provides 8 complimentary domestic lounge visits per year, railway and fuel surcharge waivers, and milestone rewards of up to 30,000 points on spending Rs. 8 Lakh annually. With a moderate annual fee and an achievable fee waiver, this card is ideal for users looking to save on travel expenses while earning rewards.

Kotak Royale Signature Credit Card Rewards Program

Reward Earning:

4 reward points per Rs. 150 spent on hotels, airlines & air carriers, restaurants, travel agencies, tour operators (including package tours), and international spends
2 reward points per Rs. 150 spent on all other categories

Reward Redemption:

Redeem points for cash at 1 Reward Point = Rs. 0.20
Redeem points at 1 Reward Point = Rs. 0.25 via Pay with Reward Points at POS or through the Kotak Rewards catalogue for products and vouchers

Other Features and Benefits

Milestone Benefits

Earn 10,000 bonus reward points on annual spends of Rs. 4 Lakh
Earn 30,000 bonus reward points on annual spends of Rs. 8 Lakh

Lounge Access

Up to 8 complimentary visits per year to select DreamFolks lounges in India on spending Rs. 75,000 in the previous quarter

Annual Fee Waiver

Annual fee waived on spending Rs. 1 Lakh in a year

Fuel Surcharge Waiver

1% fuel surcharge waiver up to Rs. 3,500 per year on fuel spends between Rs. 500 and Rs. 3,000

Railway Surcharge Waiver

Railway surcharge waiver up to Rs. 500 per year on transactions made via IRCTC website or counters

Fees and Charges

Fee Type

Amount

Joining Fee

Rs. 1,499 + Applicable Taxes

Annual/ Renewal Fee

Rs. 999 + Applicable Taxes

Finance Charges

3.75% p.m. | 45% p.a.

Late Payment Charges

For Statement Balance:	Amount
Up to Rs. 100	Nil
Between Rs. 100.01 to Rs. 500	Rs. 100
Between Rs. 500.01 to Rs. 5,000	Rs. 500
Between Rs. 5,000.01 to Rs. Rs. 10,000	Rs. 600
Between Rs. 10,000.01 to Rs. 25,000	Rs. 800
Between Rs. 25,000.01 to Rs. 50,000	Rs. 1,000
Above Rs. 50,000	Rs. 1,200

Things to Know Before you apply

Get this card if:

You spend frequently on dining and shopping
You can spend Rs. 8 Lakh in a year to maximize milestone benefits
You want a credit card mainly for earning and redeeming reward points
You travel often and want accelerated rewards on select travel spends

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Kotak Royale Signature Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Kotak Royale Signature Credit Card Hilights

What do we like about this card?

2X Rewards: Earn 4 points per Rs. 150 on travel, dining, and shopping spends
Milestone Benefits: Up to 30,000 bonus reward points on annual spends of Rs. 4 Lakh & 8 Lakh
Lounge Access: Up to 8 complimentary domestic lounge visits per year
Annual Fee Waiver: Waive annual fee on spending Rs. 1 Lakh in a year
Surcharge Waivers: 1% fuel surcharge (up to Rs. 3,500/year) and railway surcharge waiver (up to Rs. 500/year)

Pros

Easily achievable spending milestone for annual fee waiver
2X rewards on travel, dining, and shopping
Up to 30,000 reward points as milestone benefits
Up to 8 complimentary domestic lounge visits every year

Cons

Accelerated reward rate limited to select spends
Low base reward rate of 0.33%
Low reward redemption value of up to Rs. 0.25 per point
No international lounge access

Kotak Mahindra Bank Credit Card Contact Details

Contact Address: Kotak Mahindra Bank Ltd. 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051, India
Helpline: 1860 266 2666 (available from all major cities in India)
Simply SMS: Send KCC last 4 digits of your credit card to 5676788 to get card-related info.

Frequently Asked Questions

Everything you need to know about this credit card

Yes, you get up to 8 complimentary domestic lounge visits per year (2 per quarter). These are available after spending Rs. 75,000 in the previous quarter.

Yes, you can redeem reward points against cash at a rate of 1 Reward Point = Rs. 0.20. You can also use the “Pay with Reward Points” option at POS or redeem via the Kotak Rewards Catalogue for products, mobile recharge, e-vouchers, movies, travel, and more.

The card charges a 3.5% forex markup fee, so it is not ideal for international spending. Consider a card with lower or zero forex charges for overseas transactions.

No, reward points are not earned on fuel, wallet load, rent, and online skill-based gaming spends.

Yes, you can earn up to 30,000 bonus reward points on annual spends of Rs. 8 Lakh.

Yes, you can waive the annual fee by spending Rs. 1 Lakh in a year.