Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 0 Kotak Bank NRI Royale Signature Credit Card
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    Kotak Bank NRI Royale Signature Credit Card
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    Kotak Bank NRI Royale Signature Credit Card

    A leading private sector bank in India, Kotak Mahindra extends a plethora of banking and ancillary services in India. Under its credit card portfolio, this Mumbai headquartered bank offers a massive range of cards to suit the ever diversifying needs of the new age Indian. Along with a wide range of cards based in categories such as Shopping, Lifestyle, Corporate, Dining/Entertainment, Kotak Mahindra bank also offers credit cards for Non Resident Indians(NRI).

    The NRI Royale Signature Card is the flagship card in the NRI category, available against an NRE/NRO Term Deposit account with a minimum investment of Rs.1 lac. The cardholder qualifies for a credit limit for up to 80% of the TD amount.

    Kotak NRI Royale Signature Credit Card Benefits:

    • For spends outside India, earn 2x reward points for every Rs.200 charged to your NRI Royale Signature credit card. For swipes in India, you earn 1 reward point for spends of the same value.
    • Each reward point is valued at Rs.1. Accumulated reward points can be redeemed across a host of options such as Cash, Movie Tickets, Air Tickets, Airmiles etc.
    • For fuel purchases between Rs.500 to Rs.3,000, get a waiver on the Fuel Surcharge with eligibility to claim up to Rs.3,500 worth waivers in a calendar year.
    • In addition to the host of benefits as elaborated above, you also save the 1.8% Railway Surcharge each time you transact on irctc.co.in and 2.5% on charges made at Indian Railways booking counters.

    Kotak NRI Royale Signature Credit Card Features:

    • Enjoy the convenience of paying for select category purchases in Indian Rupees. Now, you don’t have worry about currency exchange or conversions while you travel within the country or abroad.
    • Supplementary(Add on) cards are available for your loved ones. Add On cards are provided by Kotak Mahindra for your spouse, children and parents irrespective of place of residence or citizenship status.
    • The NRI Royale Shield extends a cover of Rs,2,50,000 against fraudulent transactions up to 7 days pre-reporting. This insurance cover is valid for both Primary and Supplementary card holders & is provided by HDFC ERGO.

    Eligibility and Documentation:

    The credit card is only available to NRE/NRO customers of the bank who are either holding or willing to open a Term Deposit account of at least Rs.1 lac.(Only individual TD’s). General eligibility conditions are as follows.

    • The primary applicant should be at least 18 years old with an upper cap of 75 years.
    • The applicant should be a Non Resident Indian(NRI) with a residential address in India.
    • The Add On card aspirant should be aged at least 18 years.

    Fees and Charges:

    Joining Fee No Fee Charged
    Annual Fee Rs.1,000
    Late Payment ChargesRs.100 to 700, depending on the O.S balance
    Overlimit FeeRs.500
    Cash Withdrawal/Call a Draft/Funds Transfer Rs.300 for every Rs.10,000 withdrawn/transaction
    Add On cardRs.599 per card

    Note: The fees and charges are subject to periodic revision. Do inquire with the bank at the time of application or read the T & C document available in the welcome kit for latest rates.

    How to Redeem Reward Points:

    The reward points accumulated can be redeemed for Merchandise, Air Tickets & Airmiles, Cash, Movie Tickets and can also be used for Mobile Recharges. For redemption against specific rewards, the accumulated Reward Points will be converted to Easy Points.

    1 Reward Point = 2 Easy Points.

    Points can be redeemed online at kotak.com in easy steps. Use the Netbanking option and login using your CRN and password. Select “Credit Cards” and choose the redemption option of your choice and follow the instructions.

    Kotak NRI Royale Signature Card FAQs:

    1. I am a frequent traveller and would need access to cash. Does the Kotak Royale Signature card have an option to draw cash from ATMs?

      Yes, you can. This card offers a higher cash limit of 90%(of the total balance) for cash advances compared to credit cards from other banks. Plus, you can make cash withdrawals at hundreds of ATMs abroad as this is a VISA Signature card.

    2. How much is the interest rate for this card?

      This card is billed an interest rate of 3.1% per month(37.2% APR).

    3. Is there a joining fee on the Primary card? What about annual fee for Add On cards?

      There is no joining fee billed for the Primary Card. Add On cards are charged a one time fee of Rs.599. Subsequently, no fee is charged for supplementary cards annually. All features and benefits available for the Primary card are extended to Add On cards as well for ease of use.

    4. Who do I contact if my NRI Royale Signature card is stolen?

      Please call the Customer Contact Center on 1800 102 6022 immediately to report loss of card. Ensure the card is blocked immediately to prevent misuse. If your card is not recoverable, request for a new card. If it was stolen, please notify the executive and lookout for unauthorized charges.

    5. My Kotak credit card was stolen yesterday. I have called the bank and reported loss of card. They asked me to fill out a claim form for the fraudulent charges. How do I do that?

      Your card is covered against fraudulent charges up to Rs,2,50,000 by HDFC ERGO. Submit the documents listed below within 7 days of reporting the card as stolen.

      Claim form duly filled and signed

      Filled Dispute form

      Copy of the FIR

      The forms and relevant documents can be mailed to the address provided. The Claim and Dispute forms are available on kotakcards.com.

    6. I am using the NRI Royale Signature card. Is there cashback available for purchases in specific categories?

      No. There is no feature of cash back on this card.

    7. Is there a cap on the Railway Surcharge waiver?

      The cardholder can receive up to Rs.500 as waiver for Railway Surcharge.

    Other Top Credit Cards By Kotak Bank

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  • Kotak Bank NRI Royale Signature Credit Card Reviews

    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved by Kotak Mahindra Bank and the experience was good. The process was quick and i received my credit card within 1 week. I am happy with the credit limit which is offered by HDFC and there is no annual fee charged for this credit card. Customer service was good and they collected documents on time. I am not aware of any offers in this credit card and i use this card for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have been banking with Kotak Mahindra bank for last few months they had initially gave a credit limit of 75,000 after three months they had increased to 98,000 i don't have to pay an annual fees to use this card.Net banking is user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      KOTAK ESSENTIA PLATINUM CREDIT CARD is one of the best card in which I have received. Received the card within the given time. Customer service and responsiveness is really super. I have three more cards, among those KOTAK ESSENTIA PLATINUM CREDIT CARD is the best.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      It is good to use the PVR Platinum credit card for past one year from Kotak mahindra bank. The credit limit value which I got from this card is good and I am satisfied with it. The customer support is good with the Kotak mahindra bank PVR platinum credit card. I would say it is good to use the KOTAK PVR platinum credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have applied KOTAK MAHINDRA BANK credit card and received within a month time. The limit which expected is given and I satisfied with it. Also I like the feature of uploading documents via online. Response from the bank was good, I appreciate the kind response provided by the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "looking for better credit limit"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak Mahindra Bank from last 1 year, the services provided by KMB credit card is good when compared to all other credit cards. There is no annual fee charged for this credit card. I get offers like buy 1 get 1 movie tickets in this credit card. I use net banking for making payments. I have a credit limit of Rs 30000 which is less for this credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience for me With Kotak mahindra bank credit card department. I already have my salary account with Kotak mahindra bank the verification procedures has been smooth. The interest and charges was fine with Kotak, it was totally a excellent experience with Kotak mahindra bank credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience for me With Kotak mahindra bank credit card department. I already have my salary account with Kotak mahindra bank the verification procedures was been smooth. The interest and charges was fine with Kotak,it was totally a excellent experience with Kotak mahindra bank credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am having the Kotak mahindra bank credit card and am using it from the last 1.5 years of time. I would like to say that the response is fine one for me and the rate of interest is around 12%, which was the only drawback with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I got my credit card immediately with Kotak Mahindra Bank. I have a Kotak Delight credit card. They gave one lakh rupees as a credit limit but I have been informed as will be getting more than a lakh. The customer service and response was good. The payment option is easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I had applied for a credit card with Kotak through online channel. They offered me a Kotak Essentia card. The credit limit was good and satisfactory. They charge annual fee of 1500 rupees for a year. The documents are collected by the executive. I got the card on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 10 months, i am happy with the credit card services with this bank. I paid an annual fee of Rs 499 which has to be paid every year for this credit card. I am not aware of any offers in this credit card. I use mobile banking for making payments and i have a credit limit of Rs 20000 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2018
    • Kotak Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 1 year, the services provided by KMB credit card is comparatively good than other credit cards. There is no annual fee charged for this credit card. I get cash back offers in this credit card. I use net banking for making payments. Initially i had a credit limit of Rs 10000 and later they increased the credit limit to Rs 13000.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 18, 2018
    • Kotak Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I recently took a credit card with Kotak Mahindra Bank through online. The credit limit was good, they gave me the highest credit limit. I have Kotak Visa Urbane card. The customer service has called me on time and provided a proper information.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Kotak Mahindra bank from last 1 year, the credit card services are average when compared to all other credit cards. An annual fee of Rs 200 has to be paid which will be waived off based on the number of transactions. I get offers like buy 1 get 1 movie tickets. The card type is Urban gold and i have a credit limit of Rs 45000 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • Kotak Credit Card
      "Far far better"
      0.5 4.0/5 "Great!"
      I am having the Kotak mahindra bank credit card and am using it from the last three months of time. Response is also far better one with them and the customer service is also really fine. I would like to say that the online banking service is also fine one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Kotak Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the Kotak mahindra bank Urbane gold credit card , The customer support service is good with the kotak mahindra bank. The credit limit value of Rs,35,000 and they told they can increase the credit limit value up to 75,000 and I Am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 16, 2018
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The kotak mahindra bank has offered me a credit card based on my salaried account. I got the Kotak mahindra Urbane gold credit card within 15days of time. I use this card for grocery, purchases, electronic bills, hospitality and for other usages.' I am not satisfied with the credit limit value with this Urbane gold credit card and still they need to increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with Kotak Mahindra bank from last 5 months, the credit card services are comparatively good when compared to other credit cards. They did not charge any annual fee at the time of getting this credit card. I did not get any offers in this credit card till now and i use this credit card for general purpose. I have a credit limit of Rs 40000 which is sufficient for this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 15, 2018
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am using Kotak Mahindra credit card from last 4 months, the credit card services are comparatively average than other banks. There is no annual fee charged for this credit card and the card type is Urban. I did not find any offers in this credit card. I use net banking for making payments. I have a credit limit of Rs 16000 and the cash limit of Rs 4000 in this credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 15, 2018
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