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Kotak Mahindra Bank Royale Signature credit card: fee, features and benefits

Kotak Mahindra Bank Royale Signature credit card: fee, features and benefits

December 30, 2021
10 min read
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make travel work for you

hop on airplanes branded with exclusive benefits using Kotak Bank Royale Signature credit card. best travel credit card provides travel benefits, priority assistance, and other redemption options on purchases made in India and abroad. this card is suitable for people who travel frequently as it provides dining, shopping and hotel privileges. make your Kotak credit card payment via CRED to earn additional rewards and cashback.
now, let’s have a look at the Kotak Royale Signature credit card benefits, eligibility criteria, fees and charges and more in this article.



travel and lifestyle benefits

complimentary access to airport lounges in India with benefits such as gourmet meals, comfortable seating, widescreen TV and more
accelerated rewards on lifestyle categories such as dining, air tickets, international shopping, etc.
maximum surcharge waiver of ₹500 in a calendar year on railway tickets booked from IRCTC

unique rewards and redemption benefits

4X reward points on every ₹150 spent across all purchases (restaurants, travel agencies, airlines and international spends)
redeem reward points against air tickets, mobile recharge, merchant outlets and more

protection in emergencies

insurance cover of ₹2.5 lakh against fraudulent use of credit card in the event of theft or loss
transactions made prior to 7 days before reporting the loss of credit card will be insured

fuel benefits

1% fuel surcharge waiver on all transactions between ₹500 and ₹3,000
maximum surcharge waiver of ₹3,500 in a calendar year

priority service

pay your monthly dues by availing complementary cheque pick-up service offered by the bank
send an SMS to 5676788 and receive a call back within two hours to request a cheque pick-up and other services

add-on card

same benefits as the primary card
set the spending limit on add-on card as you desire
track spending separately on all add-on cards

how do i apply for Kotak Bank Royale Signature credit card?

  • go to and click on explore products > cards > credit card. a page listing all the credit cards will appear
  • scroll down to ‘royale signature credit card’ and click ‘apply now’
  • an application form will appear where you have to fill personal details including the PAN card number and income. once you have filled the details, click on the ‘submit’ button
  • verify your mobile number by entering the 6-digit OTP sent to your phone
  • after the verification, a representative from the bank will call you and guide you through the next steps

am i eligibile for this credit card?

an applicant should meet the following criteria to successfully apply for Kotak Royale Signature credit card:

  • the applicant should be in the age bracket of 21 to 65 years
  • the add-on cardholder should be 18 years or above
  • income should be equal to or above ₹24 lakhs per annum
  • the applicant should be an Indian citizen

what documents do i require to apply for credit card?

  • identity proof (Aadhaar card, PAN card, driving license, voting card)
  • address proof (includes documents like passport, electricity bill, gas bill)
  • passport-size coloured photographs
  • attached declaration form duly signed

type of fee/charge


annual fee

₹999 (waived off on spending ₹1 lakh in a year on retail spends)

add-on card fee


interest charged on outstanding balances

3.4% (annualized 37.2%)

minimum amount due

5 to 10% of the total amount

ATM cash withdrawal/fund transfer/cash advance per ₹10,000 or part thereof


late payment charges (LPC)

₹100 for statement outstanding less than or equal to ₹500
₹500 for statement outstanding between ₹500 to ₹10,000
₹700 for statement outstanding greater than ₹10,000

over limit charges


cheque bounce charges


foreign currency mark up


fee for cash payment at bank


reissue/replacement card


copy of Credit Information Report (CIBIL)


frequently asked questions (FAQs)

can i use the contactless payment facility offered by the credit card at all merchant locations?

you can use the contactless payment at merchant stores that accept Visa PayWave transactions. check for the contactless logo of Visa PayWave at the point of sale to know if the credit card is accepted at the merchant location.

do i get an interest-free period on cash transactions using Kotak Royale Signature credit card?

no. you will be offered an interest-free period on retail transactions but not cash transactions.

is there a limit to the reward points i can redeem?

no. you can choose to redeem as many reward points you want to using the credit card.

is there an expiry to reward points?

points will expire after two years from the date they are earned.

when can I expect bonus reward points to get credited in my Kotak Royale Signature credit card account?

the bonus points would be credited to your card at the end of the anniversary period.

how can i cancel my reward redemption request?

once you’ve placed a request, you will not be able to cancel it.

what is the maximum surcharge waiver that I can get using the credit card?

for railway transactions, the maximum surcharge waiver allowed in a year is ₹500. for fuel transactions, it is restricted to ₹3,500 in a year.