Kotak Bank Royale Signature Credit Card - Features, Benefits & Charges

Kotak Royale Signature Credit Card (3.5)

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If you are someone who loves to lead a luxurious lifestyle and prioritises travel and leisure experiences, the Kotak Royale Signature Credit Card can be an excellent fit for you! It offers various benefits like free lounge access, free pickup and drop facility, a reward rate of 0.6% to 1.5%, and much more. To know if it's the right choice for you, keep reading.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Lounge Access

2 Complimentary visits every quarter to “Dream Folks Lounges” in India.

Milestone Benefit
  • 10,000 Reward points on spend of ₹4 lakh.
  • 30,000 Reward points on spend of ₹8 lakh.
Fuel Surcharge

Fuel Surcharge Waiver on all transactions between ₹500 and ₹3,000.

Note: Maximum waiver allowed in an anniversary year is ₹3,500.

Travel Benefit

Railway Surcharge Waiver on all the transactions done on IRCTC Website.

Note: Maximum waiver allowed in an anniversary year is ₹500.

Reward Points
  • 4X reward points for every ₹150 billed to the card for special categories like dining, travel, air tickets, and international spends.
  • On all other categories, 2X rewards are offered.
  • Reward rate: 0.6% to 1.5%
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

Nil

Annual Fee

₹999

Annual Percentage Rate

42%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

₹300

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

₹500

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.18
Late Payment Charges

Balance below ₹500

₹ 100

Balance from ₹501 to ₹10000

₹ 500

Balance more than ₹10000

₹ 700
Pros

Aspects that make this credit card amazing.

  1. Waiver of fee on Fuel and Railway transactions.
  2. On-call 24x7 Priority Assistance for users.
  3. Attractive reward points on reaching milestones.
  4. All benefits can be availed on an Add-on card as well.
Cons

Aspects this credit card lacks.

  1. No welcome benefits are offered upon joining.
  2. Fuel and Railway transactions are not eligible for reward points.
  3. A minimum income of ₹24 Lakhs is required to avail this credit card.
  4. Only people from specific cities can only apply for this card.
Kotak Royale Signature Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(3.5)

Customer Service

(4)

Kotak Bank Royale Signature Credit Card Review

Kotak Royale Signature Credit Card offers a wide range of premium services to its users. One such benefit is exclusive add-on perks on travelling through airlines, such as a Gourmet meal, free wi-fi access, comfortable seating, etc. Moreover, users also earn attractive reward points as a milestone benefit but reward points on travel and other categories cannot be accumulated on transactions done on fuel and railways.

Overview

Best for Lifestyle & Travel
Joining Fee Nil
Annual Fee ₹999
Welcome Benefits Nil
Card Network Visa

Note: Annual fee waived on spending ₹1 Lakh or more in a year.

Who should get Kotak Bank Royale Signature Credit Card?

As the Kotak Royale Signature Credit Card provides its users with various perks such as Airport lounge access, fee waiver on fuel and railway spending along with priority assistance, this card is appropriate for users who want to take advantage by earning reward points on all the spends across these categories, in exchange of an annual fee of ₹999.

Reward Points

With this Kotak Royale Signature Credit Card, users can earn up to 4 reward points for every 150 spent. Besides that, users also earn rewards as categorized below:

Categories Rewards
Special Categories 4 points
Other Categories 2 points

Note: Special Categories are Hotels, Restaurants, Travel Agencies & Tour Operators, Package Tour Operators, Airlines and Air Carriers, International Spends

How to apply for Kotak Bank Royale Signature Credit Card?

Users can apply for Kotak Royale Signature Credit Card online as well as offline according to their comfort. Those who want to apply offline, can simply visit the nearest branch with all the required documents and fill in the physical application form for a card. However, if someone prefers the online method, they can follow a few simple steps as mentioned below:

  • Visit Kotak Mahindra Bank’s website

  • Under the “Explore Products” tab, go to the “Card” section and click on the credit card.

  • Under the “Lifestyle & Travel” category, the Kotak Royale Signature Credit Card will be listed.

  • Click on “Apply Now” to start the application process.

  • Fill in all the required details and upload all the necessary documents to complete the process.

Kotak Royale Signature Credit Card Eligibility

  • Age: 21 to 65 years
  • Occupation: Salaried or Self Employed
  • Income: Salaried: ₹2,00,000 p.m., Self-Employed: ITR > Rs.24 Lakhs p.a.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Kotak Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Kotak Bank

Kotak Bank Credit Card Customer Care Number:

1860 266 2666

Kotak Bank Card Offers:

View Offers

Total Cards:

57,90,957
Kotak Bank Credit Card News

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Kotak Royale Signature Customer Reviews

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Frequently Asked Questions

With the Royal Signature Credit Card, the milestone benefit is an annual retail purchase of Rs.8,00,000, for which you may earn up to 30,000 reward points. You can earn up to 10,000 extra reward points if you spend Rs.4,00,000 in a year.

The reward points will get credited to your Kotak Royale Signature Credit Card account at the end of the anniversary period.

When someone learns their credit cards have been lost or stolen, they should call their bank. To block credit cards, they can use the net banking facility or contact a customer service representative. The majority of banks provide this service.

The customer care number to contact for any issues related to Royale Signature Credit Card is 1860-266-2666.

The fuel surcharge waiver, which covers up to Rs.3,500 per year, is the highest surcharge waiver available with the Royal Signature Credit Card.

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