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Last updated: 01-06-2026
Kotak Royale Signature Credit Card
Kotak Bank

Kotak Royale Signature Credit Card

"Kotak's premium travel card โ€” complimentary domestic and international lounge access, 4X rewards on international spends and comprehensive travel insurance"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น2,999 + GST
๐Ÿ”„ Renewal Fee
โ‚น2,999 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Kotak Bank customers who travel domestically and internationally; those wanting premium lounge access, international rewards and travel insurance from Kotak Bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for cashback, vouchers, travel)
๐ŸŽ‰ Welcome Benefit
Welcome voucher on activation โ€” check current offer on Kotak Bank website
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น100 on international spends (1% effective); 2 RPs per โ‚น100 on domestic retail (0.5% effective); 1 RP per โ‚น100 on utility spends; excludes fuel, wallet, EMI, rent, government; RPs valid 3 years
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year); 1 complimentary international lounge visit per quarter (4 per year) via Priority Pass โ€” on spending โ‚น75,000 in preceding quarter
๐Ÿ’ฑ Forex Markup
2.5% on international transactions โ€” lower than most mid-range cards
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โœ… Pros
  • 2 domestic + 1 international lounge per quarter
  • Lower forex markup 2.5% vs typical 3.5%
  • 4X rewards on international spends
  • Buy 1 Get 1 movies
  • Comprehensive travel insurance
  • Easy โ‚น2L fee waiver
  • RPs valid 3 years
โŒ Cons
  • Lounge requires โ‚น75K quarterly spend
  • Base domestic reward rate 0.5% is low
  • Available in select cities only
  • 1 RP = โ‚น0.25 redemption value is average

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for cashback, vouchers, travel)
Welcome Benefits
Welcome voucher on activation โ€” check current offer on Kotak Bank website
Reward Rate
4 RPs per โ‚น100 on international spends (1% effective); 2 RPs per โ‚น100 on domestic retail (0.5% effective); 1 RP per โ‚น100 on utility spends; excludes fuel, wallet, EMI, rent, government; RPs valid 3 years
Reward Redemption
Kotak Rewards portal: cashback, vouchers, merchandise, travel; 1 RP = โ‚น0.25; RPs valid 3 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000; maximum โ‚น500 per year
Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year); 1 complimentary international lounge visit per quarter (4 per year) via Priority Pass โ€” on spending โ‚น75,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; lounge access on โ‚น75K quarterly spend
Other Benefits
Buy 1 Get 1 on movie tickets via BookMyShow (2 per month); comprehensive travel insurance; contactless payments; Smart EMI; dining discounts; add-on cards; lower forex markup 2.5% vs typical 3.5%

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (complimentary membership on spend condition)
Insurance Cover
Comprehensive travel insurance including air accident, baggage loss and delay; zero liability on card loss
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
4X on international spends; 2 domestic + 1 international lounge per quarter; Buy 1 Get 1 movies; 2.5% forex markup

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น2,999 + GST
Annual Fee / Renewal Fee
โ‚น2,999 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Kotak Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
2.5% on international transactions โ€” lower than most mid-range cards
Other Charges
Lounge requires โ‚น75K quarterly spend; available in select cities only

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; Indian resident; minimum monthly income โ‚น50,000+; good credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and Kotak Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Kotak Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Kotak Bank mobile app
Instant Fraud Alerts
SMS alerts for every transaction
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 266 2666 (24x7)
Chat / Email Support
SMS KASSIST to 5676788; Kotak Bank website chat
Mobile App
Kotak Bank mobile app: manage card, track RPs, pay bills
Online Banking
Kotak Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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