Kotak Mahindra Bank
Signature · Royale Signature
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Premium rewards with 10X on dining and lounge access
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
0.7%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹16,821
Total Annual Benefits
₹18,000
Total Annual Charges
₹1,179
ROI
1428%
Fee Waiver Available
Annual fee waived on spending ₹2 Lakh in the preceding year — ₹2,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • 2 visits per quarter at domestic lounges
8 visits/year
₹20,000/yr
International Lounge Access
Complimentary international airport lounge access via Priority Pass
- • Priority Pass membership included
2 visits/year
₹7,000/yr
Dining Benefits (1)
10X Rewards on Dining
Earn 10X reward points on all dining spends
- • Valid on restaurant and dining spends
10X RP on dining
Reward Points (1)
Reward Points on All Spends
4 Reward Points per ₹150 spent on all retail purchases
4 RP per ₹150
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Kotak Reward Points
4 RP per ₹150
Effective cashback: 0.67%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers via Kotak Rewards Catalogue
- → Airline miles transfer
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Dining
10x multiplier
10X reward points on dining spends
Milestone Bonuses
Bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
5,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,00,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹1 Lakh
- • Self-Employed: ITR > ₹12 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Lost Card Liability
₹5.0 L
Report within 24h
- • Credit liability cover: ₹5 Lakh
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
2 visits/year
Via Priority Pass
~₹3,500/visit
Dreamfolks Priority Pass
- • Domestic: 2 complimentary visits per quarter
- • International: Via Priority Pass membership
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility 10X rewards on dining Priority Pass membership
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak Royale Signature Credit Card is a premium offering from Kotak Mahindra Bank that provides accelerated reward points on dining spends (10X), ...
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