By Bharti Bisht
Updated On December 4, 2023

The Kotak Royale Signature Credit Card is a basic card offered by the Kotak Mahindra Bank in order to deliver its cardholders with thrilling Reward offers and travel benefits. The card has zero joining fee and offers opportunities to earn Reward Points for all your spends. You get 2 Reward Points for Rs. 150 spent with this card, and 4 Reward Points per Rs. 150 spent on selected categories, such as hotels, restaurants, and international spends. On reaching the milestone spends, you can earn up to 30,000 bonus Reward Points every year.

In order to make its customers’ travel experiences even better, this card provides complimentary access to domestic lounges every quarter to several participating lounges in India. Moreover, you can save a lot on fuel & railway transactions with this card as it comes with a fuel and railway surcharge waiver. There are a number of more benefits of the Kotak Royale Signature Credit Card. To learn about all of them, keep reading the following details:

Kotak Royale Signature Credit Card


Joining Fee


Renewal Fee

Rs. 999 + GST

Best Suited For

Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits


Movie & Dining


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 against various categories. 1 RP = 18.75 paise.


You get complimentary airport lounge access every year.



Domestic Lounge Access

2 complimentary access to domestic lounges per quarter

International Lounge Access


Insurance Benefits

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

Zero Liability Protection

The cardholder will not be held as liable for any fraudulent transactions done if the card is reported lost or stolen to the bank.

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


Rewards Redemption Fee


Foreign Currency Markup

3.5% on all foreign currency spends

Interest Rates

3.4% per month

Fuel Surcharge

1% fuel surcharge is waived at all fuel stations.

Cash Advance Charges

Rs. 300 per Rs. 10,000 withdrawn

Add-on Card Fee


  • 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.

Kotak Royale Signature Credit Card Features and Benefits

Milestone Benefits

  • You get 10,000 Reward Points on achieving a spend of Rs. 4 lakhs in a year.
  • You get 30,000 Reward Points if you spend Rs. 8 lakhs or more in a year.
  • You get these bonus Reward Points at the end of the term.

Travel Benefits

You get 2 complimentary domestic airport lounge lounge access every year through the Visa Lounge Access Program.

Insurance Benefits

You get an insurance cover worth up to Rs. 2,50,000 for any unauthorized transactions done on a lost/stolen card.

Other Benefits

  • You get a railway surcharge waiver for transactions made on or at the Indian Railway Booking counters. The maximum waiver on railway surcharge is capped at Rs. 500 per year.
  • To pay your due bills, you don’t need to try reaching the bank again & again. You just need to send SMS “KASSIST” to 5676788 and they will call you back within 2 hours.

Joining and Renewal Fee Waiver

On spending Rs. 1 Lakh or above in the previous and get a waiver on the annual fee.

Fuel Surcharge Waiver

  • Get a 1% waiver on the fuel surcharge for transactions between Rs. 500 & Rs. 3,000 at all fuel pumps.
  • The maximum benefit that can be claimed with a fuel surcharge waiver is capped at Rs. 3,500 per year.

Kotak Royale Signature Credit Card Rewards

  • You get 2 Reward Points per Rs. 150 you spend.
  • You get 4 Reward Points per Rs. 150 spent on selected categories that include hotels, restaurants, Airlines, Tour operators & travel agencies, package tour operators, and international spends.
  • You will not earn any Reward Points on fuel/railway transactions.

Rewards Redemption

  • The Reward Points earned are redeemable through the website against various categories, including shopping, travel, movies, mobile recharge, e-vouchers, etc.
  • 1 Reward Point = Rs. 0.1875.

Eligibility Criteria

The following table shows the eligibility criteria for the Kotak Royal Signature Card:

Particular Criteria
Age Between 21 Years and 65 Years
Income Rs. 24 Lakh per annum or above.
Credit Score Decent credit score (750 or above)

How To Apply for Kotak Royale Signature Card

  • Visit the Kotak Mahindra Bank’s branch nearest to you and apply offline for the Kotak Royale signature Credit Card.
  • You can also apply online as follows:
  1. Visit
  2. Select ‘Explore Products.’
  3. Choose the ‘Credit Cards’ option under the section Cards.
  4. Select the ‘Kotak Royale Signature Credit Card,’ & click on ‘Apply Now.’
  5. Fill in all the essential details and meet all the demanded formalities.


The Kotak Royale Signature Credit Card is a great choice for you if you are looking for an affordable credit card with exclusive benefits and great saving opportunities. This card allows you to save in the form or Reward Points that can be redeemed later against a variety of categories. The milestone benefits provided by this card are among its most amazing features.

Moreover, the travel benefits, card protection cover, fuel & railway surcharge waiver provided by the card make it even a better decision to have it. Keeping all these exciting advantages and saving opportunities in mind, you can undoubtedly go for the Kotak Royale Signature Credit 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.

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

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.

On spending a total of Rs. 8 lakhs or more in a year, you get a total of 30,000 bonus Reward Points.

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

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