HomeCredit CardsKotak Royale Signature Credit Card
Kotak Royale Signature Credit Card

Kotak Mahindra Bank

Kotak Royale Signature Credit Card

visasignaturecredittravelshopping

Annual Fee

₹999

Base Reward

2% points

Foreign Markup

3.5% on all foreign currency spends

4.6/5

Product Highlights

  • No joining fee
  • Earn up to 30,000 bonus Reward Points every year based on your spends

Category Rewards

travel

4 Reward Points per ₹150 spent

4 Reward Points per ₹150 spent

dining

4 Reward Points per ₹150 spent

4 Reward Points per ₹150 spent

shopping

2 Reward Points per ₹150 spent

2 Reward Points per ₹150 spent

Fee Waiver

Waived on ₹1L annual spend

Rewards Details

You get 2 Reward Points for every ₹150 spent. You earn 4 Reward Points per ₹150 spent on selected categories like restaurants, international spends, airlines, hotels, etc.

Reward Points — Redemption Value
  • 1 Reward Point = ₹0.1875

Benefits & Features

Domestic: 2 complimentary access to domestic lounges per quarter (Available through the Visa Lounge Access Program.) Complimentary access to domestic lounges.

Pros & Cons

Pros

  • 2 Reward Points per ₹150 spent
  • 4 Reward Points for every ₹150 spent on selected categories
  • Complimentary airport lounge access
  • 1% fuel surcharge waiver

Cons

  • No welcome benefits
  • No international lounge access

Additional Info

Important note 1

Note 2

Excluded Categories

fuelrailway transactions

Partner Merchants

restaurantshotelsairlinestravel agencies

Fees & Charges

Annual Fee₹999
Joining FeeNil
Fee WaiverWaived on ₹1L annual spend
Foreign Markup3.5% on all foreign currency spends
Interest Rate3.4% per month
Cash Advance₹300 per ₹10,000 withdrawn

Eligibility

Min Age

21 yrs

Salaried

₹24.0L+

Networks

visa