Elevate your lifestyle with premium travel rewards and exclusive privileges
4X reward points on travel & dining
8 complimentary visits per year
Annual fee waived on ₹1,00,000 spends
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 4 reward points for every ₹150 spent on hotels, restaurants, airlines, travel agencies, tour operators, and international spends. |
| Airport Lounge Access | Enjoy 8 complimentary visits per year to select Dream Folks Lounges across India (2 visits per quarter on spending ₹75,000 in the previous quarter). |
| Milestone Benefits | Earn up to 30,000 bonus reward points on annual retail spends of ₹8,00,000, or 10,000 points on ₹4,00,000 spends. |
| Visa PayWave Technology | Make seamless contactless payments at merchant locations that accept Visa PayWave transactions. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Kotak Mahindra Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / Travel & Lifestyle |
| Type of Card | Visa Signature Credit Card |
| Free or Paid | Nil Joining Fee; ₹999 + GST Annual Fee (waived on ₹1,00,000 annual spends) |
The Kotak Royale Signature Credit Card is the ideal choice for affluent professionals and frequent travellers who seek premium lifestyle privileges combined with excellent rewards on travel and dining. Designed for those with an annual income of ₹24 lakhs or more, this card delivers exceptional value through accelerated rewards on select categories, complimentary lounge access, and substantial milestone bonuses. Whether you're booking flights, dining at fine restaurants, or making international purchases, this card ensures every transaction earns you valuable rewards whilst providing the convenience and prestige of a Visa Signature card.
Premium Lifestyle Focus: The Kotak Royale Signature Credit Card caters specifically to individuals who prioritise travel, dining, and premium experiences, offering enhanced rewards and benefits tailored to an upscale lifestyle.
Robust Rewards Programme: Earn 4 reward points for every ₹150 spent on accelerated categories including hotels, restaurants, travel agencies & tour operators, package tour operators, airlines, air carriers, and all international spends. On all other eligible retail purchases, earn 2 reward points per ₹150 spent.
Complimentary Lounge Access: Access select Dream Folks Lounges across India with 8 complimentary visits per year (2 visits per quarter). Effective from 1st June 2025, cardholders must spend ₹75,000 or more in a calendar quarter to enjoy airport lounge access in the next calendar quarter. Enjoy benefits such as gourmet meals, comfortable seating, widescreen TVs, newspapers and magazines, and free Wi-Fi.
Visa Signature Benefits: As a Visa Signature card, enjoy global acceptance, enhanced security features, and the prestige of carrying a premium credit card recognised worldwide.
Kotak Rewards Redemption: Redeem accumulated reward points across various categories through the Kotak Rewards portal, including mobile recharges, shopping for over 10,000 products, e-vouchers, travel bookings, and more. Points can also be redeemed for cash against your statement balance.
Fuel & Railway Surcharge Waivers: Save on everyday transactions with fuel surcharge waivers of up to ₹3,500 per anniversary year (on transactions between ₹500 and ₹5,000 effective from 1st June 2025) and railway surcharge waivers of up to ₹500 per year on IRCTC website and Indian Railways booking counter transactions.
Milestone Rewards Programme: Earn substantial bonus rewards when you reach spending milestones—10,000 bonus reward points on annual retail spends of ₹4,00,000 OR 30,000 bonus reward points on annual spends of ₹8,00,000. Note: Cardholders are eligible for only one milestone benefit per anniversary year.
Pay with Reward Points: Enjoy seamless transactions by using your reward points directly at merchant point-of-sale terminals, eliminating the need for cash or cards. All transactions made using this feature are considered for milestone eligibility.
Credit Card Protection: Receive coverage of up to ₹2,50,000 against fraudulent transactions for up to 7 days pre-reporting in case your card is lost or stolen, providing peace of mind and financial security.
Add-on Cards: Extend the benefits to your family members by applying for add-on cards for your spouse, parents, or children (18 years and above). Set individual spending limits and track expenses separately for each add-on card.
4X Reward Points on Accelerated Categories
Earn 4 reward points for every ₹150 spent on the following special categories:
Hotels
Restaurants
Travel Agencies & Tour Operators
Package Tour Operators
Airlines and Air Carriers
International Spends
This translates to an effective reward rate of approximately 0.66% based on standard redemption values.
2X Reward Points on Base Categories
Earn 2 reward points for every ₹150 spent on all other eligible retail purchases, providing an effective reward rate of approximately 0.33%.
Exclusions from Reward Points
Reward points are not earned on the following transactions:
Fuel purchases
Railway transactions
Wallet loads
Prepaid card loads
Rent payments
Online skill-based gaming spends
EMI transactions
Cash advances
Card fees and charges
Cash Redemption
Redeem accumulated reward points against your statement balance at a value of 1 Reward Point = ₹0.20 for cash redemption.
Pay with Reward Points
Use reward points directly at merchant point-of-sale terminals at a value of 1 Reward Point = ₹0.25. The remaining amount must be paid via your credit card.
Kotak Rewards Catalogue
Redeem points through the Kotak Rewards portal (www.mykotakrewards.com) for:
Travel: Air tickets and hotel bookings (vouchers valid for 6 months from issuance)
Shopping: Choose from over 10,000 merchandise options
E-vouchers: Brand vouchers for popular retailers
Mobile Recharge: Top-up your mobile prepaid account
Movies: BookMyShow vouchers and cinema tickets
Other Services: Various lifestyle and entertainment options
Note: For redemption against airline tickets, merchandise, or mobile recharges, reward points must be converted to Easy Points at the rate of 2 Reward Points = 1 Easy Point.
In addition to regular reward points earned on transactions, cardholders are eligible for bonus reward points on achieving specific spending criteria in an anniversary year:
Annual Retail Spends | Bonus Reward Points |
₹4,00,000 | 10,000 Reward Points |
₹8,00,000 | 30,000 Reward Points |
Important Notes:
Cardholders are eligible for only one milestone benefit per anniversary year
If you achieve spends of ₹8,00,000, you will receive only 30,000 reward points (not both milestones)
Bonus reward points are credited at the end of the anniversary period
For cards issued prior to 25th February 2017, the milestone programme runs from 1st February to 31st January each year
For cards issued after 25th February 2017, the milestone programme runs from the date of issuance to the next anniversary date
Special Introductory Offer: Spend ₹30,000 within the first 60 days of card set-up and receive a voucher (value and details as per current bank offer).
Enjoy 8 complimentary visits per year to select Dream Folks Lounges across India, capped at 2 visits per quarter.
Eligibility (effective from 1st June 2025): Cardholders must spend ₹75,000 or more in a calendar quarter to enjoy airport lounge access in the next calendar quarter.
Lounge Benefits:
Gourmet meals
Comfortable seating
Widescreen TVs
Newspapers and magazines
Free Wi-Fi
Refreshments and beverages
Simply swipe your Kotak Royale Signature Credit Card at participating lounges to gain access.
Effective from 1st June 2025: Enjoy 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000.
Maximum Benefit: Up to ₹3,500 fuel surcharge waiver per anniversary year.
Note: No reward points are earned on fuel transactions.
Save on railway booking charges with surcharge waivers on transactions made through:
www.irctc.co.in (1.8% surcharge waiver)
Indian Railways Booking Counters (2.5% surcharge waiver)
Maximum Benefit: Up to ₹500 railway surcharge waiver per anniversary year.
Note: No reward points are earned on railway transactions.
Lost/Stolen Card Cover: Receive coverage of up to ₹2,50,000 against fraudulent transactions for up to 7 days pre-reporting if your card is lost or stolen.
Action Required: Immediately call the Customer Contact Centre on 1860 266 2666 to deactivate or block your card and register a claim with the insurance company.
24x7 Customer Support: Get priority assistance by sending an SMS with "KASSIST" to 5676788, and bank representatives will call you back within 2 hours.
Complimentary Cheque Pickup: Request complimentary cheque pickup service to pay your monthly credit card dues.
Apply for add-on cards for your family members (spouse, parents, or children aged 18+ years) at a one-time fee of ₹599 per add-on card.
Add-on Card Features:
All primary card benefits extended to add-on cardholders
Set individual spending limits for each add-on card
Track expenses separately for better financial management
Shared credit limit with the primary card
Enjoy up to 50 days of interest-free credit period on retail purchases from the date of purchase (subject to full payment of the outstanding balance by the due date).
The annual fee of ₹999 + GST is waived if you spend ₹1,00,000 or more in annual retail purchases. This waiver is applicable from the first year onwards.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Nil | No joining fee for the current variant |
| Annual Fee | ₹999 + GST (~₹1,179) | Waived on annual retail spends of ₹1,00,000 or more |
| Interest Rate (APR) | 3.4% per month (37.2% annually) | Applicable on outstanding balances |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions |
| Cash Advance Fee | ₹300 per ₹10,000 or part thereof | Applicable on cash withdrawals, fund transfers, call-a-draft |
| Cash Advance Limit | Up to 40% of credit limit | Maximum cash withdrawal limit |
| Overlimit Penalty | ₹500 | Charged when spending exceeds credit limit |
| Cheque Bounce Charges | ₹500 | Charged when payment is returned/dishonoured |
| Cash Payment at Bank | ₹100 | Charged for card payments at Kotak Mahindra Bank branches |
| Card Reissuance/Replacement | ₹100 per issuance | Applicable for duplicate or replacement cards |
| Add-on Card Fee | ₹599 (one-time) | Subsequently, no annual fee for add-on cards |
| Rewards Redemption Fee | Varies | May apply on certain redemption methods |
| Late Payment Charges | Up to ₹500: ₹100; ₹501 to ₹10,000: ₹500; Above ₹10,000: ₹700 | Based on statement outstanding amount |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 21 to 65 years; Add-on cardholder: 18 years and above |
Citizenship | Must be a Resident of India |
Location | Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune |
Annual Income | Minimum ₹24,00,000 per annum (Salaried: ₹2,00,000 per month; Self-Employed: ITR > ₹24 lakhs per annum) |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
Occupation | Salaried or Self-Employed |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill (not more than 3 months old), Ration Card, Property Registration Document |
| Income Proof | Latest salary slips (not more than 3 months old), latest Form 16, last 3 months' bank statement, or Income Tax Returns statement |
| PAN Card | Mandatory for credit card issuance |
| KYC Documents | As required by Kotak Mahindra Bank |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents - Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application - Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery - Once your application is approved after verification, your Kotak Royale Signature Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Travel & Dining Rewards | Use the card for all hotel bookings, restaurant bills, airline tickets, and travel agency payments to earn 4 reward points per ₹150 spent. |
Target Milestone Benefits | Plan your annual spending to reach ₹4,00,000 or ₹8,00,000 to unlock bonus reward points of 10,000 or 30,000 respectively. |
Utilise Lounge Access | Remember to spend ₹75,000 in a calendar quarter (from June 2025) to qualify for 2 complimentary lounge visits in the next quarter. |
Save on Fuel & Railways | Use the card for fuel purchases between ₹500-₹5,000 and IRCTC bookings to benefit from surcharge waivers (up to ₹3,500 and ₹500 annually respectively). |
Use Contactless Payments | Take advantage of Visa PayWave technology for seamless contactless payments at participating merchant locations. |
Pay with Reward Points | Redeem reward points directly at POS terminals to offset purchase amounts and make your rewards work harder for you. |
Maintain Annual Spend Threshold | Spend at least ₹1,00,000 annually to get the annual fee waived and maximise card value. |
Track Spending Regularly | Use the Kotak Mobile Banking app to monitor spending, check reward points balance, and set payment reminders. |
Pay Full Balance on Time | Always pay the total outstanding amount by the due date to avoid interest charges of 37.2% per annum and maintain a good credit score. |
Redeem Points Strategically | Convert reward points to Easy Points (2:1 ratio) for airline tickets and merchandise, or use them for cash redemption at ₹0.20 per point. |
The Kotak Royale Signature Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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