Kotak Royale Signature Credit Card Review – A Premium Type Royale Card issued by Kotak Mahindra bank to enjoy Travel Benefits and earn rewards on shopping. it is mainly focused on travel and shopping expenses. It is a Premium Type Rewards Point Based Card for Individuals. it is available for Self-Employed and Salaried Persons.
it allows earning Up To 4X Rewards Points for each ₹150 Or Above Spent on selected Special Categories of shopping. here is the special categories list –
- Hotels
- Restaurants
- Travel Agencies & Tour Operators
- Package Tour Operators
- Airlines and Air Carriers
- International Spends
Furthermore, it offers 2X Reward Points Per ₹150 or Above Spent on all Other OFFLINE/ONLINE Categories Purchases.
Apart from Reward Points, it comes with travel Benefits such as Upto 2 complimentary Access every quarter to Dreamfolks Airport Lounges only in India, which offers you all facilities. for instance,
- Gourmet meal
- Comfortable seating
- Widescreen TVs,
- Newspaper and Magazines,
- Free Wi-Fi
This Royale Signature Credit card comes With All Kotak Bank card Features such as –
- Free of Charges Add-on Card
- Railway Surcharge Waiver
- Fuel Surcharge Waiver
- Priority attend
- Enhanced Security to prevent misuse
- Redeem Rewards into Multiple options
- Kotak Visa payWave For Contactless Payments
- Milestone Program
Through this Article, we will share with you a brief review of the Kotak Royale Signature Credit Card which can find all solutions to your queries related to the Kotak Royale Signature Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.
The Benefits And Review of the Kotak Royale Signature Credit Card
Table of Content
- The Benefits And Review of the Kotak Royale Signature Credit Card
- Kotak Royale Signature Credit Card Highlight Factors
- What Are The Kotak Royale Signature Credit Card Offers And Benefits
- Milestone Benefits
- Discounts And Reward Points
- Additional Features on Kotak Royale Signature Credit Card
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For Royale Signature Credit Card By Kotak Mahindra Bank?
- FAQ
- Popular Credit Cards By Axis Banks
Kotak Royale Signature Credit Card Highlight Factors

Points | Description |
---|---|
Card Type | Premium Type Rewards Based Card |
Best Suitable | Travel, Shopping, Salaried, Self-Employed |
Card Benefits & Features | – Upto 2 Free of charges visits every quarter to Dreamfolks Lounges only in India – Enhanced Security Feature for stolen card Protection – Priority attend Facility for Quick contact with the bank – Worth up to ₹3500/Yearly Fuel Surcharge Waiver – Maximum ₹500 Per Year Railway Surcharge Waiver – Add-on Card Features – Visa payWave For contactless Method Enable |
Reward Points or Cashbacks | – Earn 4 reward points per ₹150 or Above Purchases in selected categories such as Hotels, Restaurants, Travel Agencies & Tour Operators, Package Tour Operators, Airlines and Air Carriers, And International Spends – Earn 2 Reward Points Per ₹150 or Above Spent in Other Categories |
Total Value | Upto ₹14,459 Annum Benefits through Annual fee waiver, Fuel Surcharge waiver, Milestone bonus reward points, and Reward Points. |
Annual Fee Waiver | Annual fee waiver on spend of ₹100,000 in a year by using the card |
Milestone benefits | As a Milestone Benefit, Get Up to a bonus of 30,000 reward points on reaching the purchase of 8 lakhs within a Year by using the royale signature card. |
Minimum Salary Required | The minimum income required is ₹24 lakh Per Year |
What Are The Kotak Royale Signature Credit Card Offers And Benefits

Kotak Bank Royale Signature Credit Card is a premium level Rewards Based card for individuals who earn up to 24 lacs in a year. it allows cardholders to earn upto 4X Reward points on selected purchases of ₹150 or Above spends. moreover, you will get 2X Reward Points on spending upto ₹150 on all other offline online shopping.
it supports Visa payWave contactless payment method. as per RBI Regulation, you can do transactions upto 5000 without entering a secret-digit pin. it also has an Enhanced Security facility to avoid misuse of your card which allows you to deactivate or block your card to prevent fraudulent transactions to immediately call the bank.
Apart from these, it has all additional benefits such as Priority attending to contact with bank quickly, Fuel Surcharge Waiver worth upto ₹3500 per year, and Railway Surcharge Waiver worth upto ₹500 per year.
Milestone Benefits
It offers 10000 bonus Kotak reward Points as a Milestone benefit within 1 Year of purchase upto 4 lac via using the card. If someone has achieved a spend of ₹8 Lakhs, it allows cardholders to get upto 30000 Reward Points as a bonus.
Discounts And Reward Points
Reward Points & Cashback On Card | Explanation |
---|---|
Online Transcations | – 4X Rewards Points on Online Special Categories Spends on ₹150 or Above – 2X Rewards Points on Online Other Categories Spends on ₹150 or Above |
Offline Transcations | – 2X Rewards Points on offline other Categories Spends on ₹150 or Above |
Stolen Card Insurance cover | – Enhanced Security Feature for deactivating, and blocking cards to prevent misuse. – Call 1860 266 2666 |
Railway Surcharge Waiver | – Up to ₹500 Railway Surcharge Waiver in the anniversary year – Use IRCTC For Online Purchases – Ticket Counter visit for offline booking |
Fuel Surcharge Waiver | – Up to ₹3500 Fuel Surcharge waiver in the anniversary year for fuel purchases from all fuel stations in India |
Domestic Airport Lounge Access Limit | – Free 2 visits every quarter – DreamFolks Lounges only in India |
Additional Features on Kotak Royale Signature Credit Card
Additional Features | Description (Details) |
---|---|
Add-on Card | Yes |
EMI Facility | Yes Convert All Bills into Monthly EMIs |
Contactless Payment | Visa payWave For enables all contactless payments upto ₹5000 without entering the Secret digits PIN |
Set Card Control | Use the Kotak app to control the limits of your all Kotak bank credit cards |
Foreign Currency Mark up | 0.035% |
How to Use Reward Points Redemption
- Kotak Rewards Program to Redeem The Reward Points
Kotak offers Kotak Rewards Program to redeem your all-earned and Milestone Bonus Kotak reward points into a variety of categories like
- Mobile Recharge
- Shopping across 10,000 products,
- E-vouchers across various brands,
- Movies (BookMyShow Vouchers),
- Travel
To check and redeem you can click here to redirect the official reward points redemption of Kotak bank’s website.
- Pay with Reward Points
You can redeem or use your earned reward points by using its official page of pay with reward points.
What Are Card Charges and Fees
List of Charges | No Joining Fee | With Joining Fee |
---|---|---|
Milestone Benefits | 30,000 bonus reward points | 30,000 bonus reward points |
Annual Fees on The Card | ₹999 | ₹999 |
First Year Fee | ₹999 | ₹999 |
Annual Fees Waiver | Annual retail Spending up to ₹1 lakh to get an Annual Fee waiver for 1st Year | Annual retail Spending up to ₹1 lakh to get an Annual Fee waiver for 1st Year |
Joining Charges | No charges | ₹1499 |
Finance Fees (Interest Rate) | – 3.5% Per Month – 42% Per Year | – 3.5% Per Month – 42% Per Year |
Late Payment Fee | Between ₹100 to ₹700 is overdue penalty charges depends on total overdue payment | Between ₹100 to ₹700 is overdue penalty charges depends on total overdue payment |
Replacement Card | ₹100 per issuance | ₹100 per issuance |
Foreign Currency Mark Up | 0.035 | 0.035 |
Add-on cards | Nil | Nil |
ATM Cash Withdrawal | ₹300 | ₹300 |
What Are the Eligibility Criteria For Royale Signature Credit Card By Kotak Mahindra Bank?
Royale Signature Credit Card is available for self-employed professionals, and salaried individuals. The minimum Age Required to get this card is 21 years. This card is for applicants who have an age bracket of 21 years to 65 years. The minimum income requirement for this Kotak Royale Signature card is 24 Lakh Per Year.
it is mainly available in selected cities in India such as –
- Ahmedabad
- Bangalore
- Chandigarh
- Chennai
- Delhi (including Gurgaon and Noida)
- Hyderabad
- Kolkata
- Mumbai
- Navi Mumbai
- Pune
Eligibility Criteria | Overview |
Only For | Salaried, Professionals, Self-Employed |
Should be a resident of India | Yes |
Your Age Must Be For Primary Card | 21 years to 65 years |
Add-On Card | 18 years and above |
Minimum Salary Requirement | 24 Lakh Per Year (ITR,Salary Slip, Form 16 Documents Required) |
Credit Score | Must have Good Credit Score Upto 750 |
Kotak Mahindra bank will ask you few documents to complete Verification. below, we mention the list of documents the bank may ask you for.

FAQ
Kotak Royale Signature Credit Card is a premium type card for earning rewards on per-day shopping. it is best suitable for traveling, shopping, and earning rewards for spending. it is quite beneficial for you to get 4x reward points on spending on Hotels, Restaurants, Travel Agencies, Package Tour Operators, Airlines and Air Carriers, and international Spends. the minimum income required to get this royale signature card is 24 lacs per year.
1860 266 2666 to contact to the kotak mahindra bank and get all information related to all kotak bank credit cards.
Popular Credit Cards By Axis Banks
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