Kotak Mahindra Bank
Kotak Royale Signature Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
2% points
Foreign Markup
3.5% on all foreign currency spends
Product Highlights
- No joining fee
- Earn up to 30,000 bonus Reward Points every year based on your spends
Category Rewards
travel
4 RP / ₹150 on travel + dining categories
0.67X
dining
4 RP / ₹150 on travel + dining categories
0.67X
travel
4 RP / ₹150 on travel + dining categories
0.67X
travel
4 RP / ₹150 on travel + dining categories
0.67X
Specialty
4 RP / ₹150 on travel + dining categories
0.67X
Fee Waiver
Waived on ₹1L annual spend
Reward Calculator
Costs you ₹539/year
Break-even needs ~₹23,949/month at your reward mix.
₹13K
across all your buckets
2.6K
Kotak Reward Points
₹640
via standard · ₹0.25/pt
Effective rate
0.41%
Annual fee
₹1,179
Year 1 net
₹-539
Year 2+ net
₹-539
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
10,000 Reward Points
30,000 Reward Points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government, education
Fuel surcharge waiver (good news)
1%on ₹500–₹5,000 fuel txns · capped at ₹3,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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.
- 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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹24.0L+
Networks
Fee Waiver
Waived on ₹1L annual spend