Travel on Points

Kotak Royale Signature Credit Card

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  • Joining fee

    Nil

  • Annual fee

    Rs. 999 + GST

  • Best suited for

    Travel, Shopping

Rewards

  • Rewards rate

    2 Reward Points per Rs. 150 you spend. 4 Reward Points per Rs. 150 you spend on select categories like restaurants, international spends, Airlines, hotels, etc.

  • Reward redemption

    The Reward points are redeemable on kotakrewards against various categories. 1 RP = 18.75 paise.

Benefits

  • Travel

    You get complimentary airport lounge access every year.

  • Domestic lounge

    2 complimentary access to domestic lounges per quarter

  • Insurance

    Coverage of Rs. 2.5 lakhs against fraudulent transactions on a lost/stolen card.

Fees & charges

  • Spend-based waiver

    The renewal fee can be waived if you spend Rs. 1,00,000 or more in the preceeding year.

  • Rewards redemption fee

    Nil

  • Foreign currency markup

    3.5% on all foreign currency spends

  • Interest rates

    3.4% per month

  • Fuel surcharge waiver

    1% fuel surcharge is waived at all fuel stations.

  • Cash advance charges

    Rs. 300 per Rs. 10,000 withdrawn

Product highlights

  • No joining fee.
  • Get 2 Reward Points per Rs. 150 you spend with your Kotak Royale Signature Credit Card.
  • Get 4 Reward Points for every Rs. 150 spent on restaurants, hotels, airlines, travel agencies, international spends, etc.
  • Get complimentary airport lounge access.
  • A 1% fuel surcharge waiver.
  • Railway surcharge waiver.
  • Spend-based renewal fee waiver.
  • Earn up to 30,000 bonus RPs every year based on your spends.

FAQs

Can I get the annual fee waiver for this card?

Yes, you can get a waiver on the annual fee for your Kotak Royale Signature Credit Card if you spend Rs 1 lakh or more in an anniversary year.

What is the annual interest rate on this card?

The annual interest rate on the Kotak Royale Signature Credit Card is 37.2% per annum (3.4% per month).

What should I do if my Kotak Royale Signature Credit Card is lost?

If you have lost your card, inform the bank as soon as possible by calling at 1860 266 2666 to get your card blocked or deactivated before any loss.

How many total bonus Reward Points do I get when spending Rs. 8 lakhs in a year?

If you spend Rs. 8 lakhs or more in a year, you get 30,000 bonus Reward Points.

What should be my net annual income to apply for this card?

To be eligible for the Kotak Royale Signature Credit Card, your net annual income should be Rs. 24 lakhs or more.

Does Kotak Royale have lounge access?

With this credit card, you will get two free domestic airport lounge accesses each quarter.

What is the milestone benefit of the Royale Signature credit card?

You can earn 10,000 Reward Points by spending Rs. 4 lakhs in a year and 30,000 Reward Points by spending Rs. 8 lakhs in a year.