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

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:

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.