Kotak Royale Signature Credit Card

9.2
Expert ScoreRead review
  • 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.

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Category:

Kotak Royale Signature Credit Card

9.2
Expert ScoreRead review
  • 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.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 999
Joining Fee
Nil
Type of Card
Reward
Welcome Benefits
NA

USP of Card

  • 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.

Fees & Charges

Spend Based Waiver
The renewal fee can be waived if you spend Rs. 1,00,000 or more in the preceeding year.
Interest Rates
3.4% per month
Cash Advance Charges
3.5% on all foreign currency spends
Rewards Redemption Fee
Nil
Fuel Surcharge
1% fuel surcharge is waived at all fuel stations.
Foreign Currency Markup
Rs. 300 per Rs. 10,000 withdrawn
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
NA
Reward Redemption
The Reward points are redeemable on https://kotakrewards.com/ against various categories. 1 RP = 18.75 paise.
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.
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.
Travel
You get complimentary airport lounge access every year.
Online Shopping offers
NA
Insurance Benefits
Coverage of Rs. 2.5 lakhs against fraudulent transactions on a lost/stolen card.
Domestic Lounge Access
2 complimentary access to domestic lounges per quarter
International Lounge Access
NA
9.2Expert Score
  • 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.
Best values score
9.2
9.2Expert Score
  • 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.
Best values score
9.2

Specification: Kotak Royale Signature Credit Card

Bank Name

Kotak

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card

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