Kotak Royale Signature Credit Card

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The Kotak Royale Signature Credit Card is a rewarding option with no joining fee, making it easy for new users to get started. Cardholders earn 2 Reward Points for every Rs. 150 spent and 4 Reward Points on select categories like hotels, restaurants, and international transactions. Additionally, users can collect up to 30,000 bonus Reward Points annually by reaching spending milestones, which can be redeemed for flights, mobile recharges, shopping, and more.

Frequent travelers benefit from complimentary airport lounge access every quarter, making trips more comfortable. The card also helps save on everyday expenses with fuel and railway surcharge waivers. With travel perks, reward benefits, and savings on regular transactions, this card is a great choice for maximizing value on daily spending.

Credit Card Detail
Kotak Royale Signature Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 999.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Apply Now
Rewards Rate
Earn 2 Reward Points for every Rs. 150 spent, and 4 Reward Points for every Rs. 150 spent on selected categories such as restaurants, international purchases, airlines, hotels, and more.
Reward Redemption
The Reward Points can be redeemed on Kotak Rewards for a variety of categories. Each Reward Point is equivalent to 18.75 paise.
Movie & Dining
N/A
Travel
You receive free access to airport lounges once every year.
Golf
N/A
Domestic Lounge Access
Two free accesses to domestic airport lounges every quarter.
International Lounge Access
N/A
Insurance Benefits
Protection of up to Rs. 2.5 lakhs for fraudulent transactions made on a lost or stolen card.
Interest Rates
3.4% per month
Spend-Based Waiver
The renewal fee can be waived if you make purchases totaling Rs. 1,00,000 or more in the previous year.
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of Rs. 300 for every Rs. 10,000 withdrawn.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
The 1% fuel surcharge is removed at all fuel stations.
Card Details
  • No joining fee required.
  • Get 2 reward points for every Rs. 150 spent
  • Earn 4 reward points per Rs. 150 on dining, travel, and international transactions
  • Collect up to 30,000 bonus reward points annually based on spending
  • Free airport lounge access (maximum 8 visits per year, 2 per quarter)
  • 1% fuel surcharge refund (up to Rs. 3,500 annually on transactions between Rs. 500 and Rs. 3,000)
  • Railway surcharge refund (up to Rs. 500 per year for IRCTC bookings)
  • Renewal fee waived on annual spending of Rs. 1 lakh
  • Use reward points for flights, mobile recharges, shopping, and more via Easyrewardz
  • Exclusive Priority Attend Service for quick assistance and cheque collection
  • Get a callback within two hours by texting ‘KASSIST’
  • Free cheque pickup service for bill payments
  • Add-on card perks: Set spending limits and track expenses separately
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Frequently Asked Questions

How can I apply for this credit card?

You can apply by contacting customer care or visiting a Kotak Mahindra Bank branch with necessary documents.

Is there an annual fee waiver for this card?

Yes, if you spend Rs. 1 lakh or more within a year.

What should I do if my Kotak Royale Signature Credit Card goes missing?

Contact 1860 266 2666 immediately to block your card. If recovered after blocking, do not use it—destroy it by cutting through the magnetic strip.

How many bonus Reward Points can I earn with high spending?

Spend Rs. 4 lakhs in a year to earn 10,000 points or Rs. 8 lakhs to get 30,000 points.

Is there an interest-free period for cash advances?

No, cash withdrawals do not qualify for an interest-free period.

How much surcharge waiver can I receive?

Fuel purchases have a maximum waiver of Rs. 3,500 annually, while railway transactions are limited to Rs. 500 per year.

Can I make contactless payments with this card?

Yes, but only at merchants that accept Visa PayWave. Look for the Visa PayWave mark or contactless logo at checkout.

How do I pay my credit card bill?

Payment can be made via debit card, UPI, net banking, standing instructions, cheque, demand draft, or cash.

Where can I contact customer service for any card-related concerns?

Call Kotak Mahindra Bank's credit card helpline at 1860-266-2666.

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