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  • Kotak Bank NRI Royale Signature Credit Card

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  • We found 0 Kotak Bank NRI Royale Signature Credit Card
    1st Year Fee
    Joining Perks

    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 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 dont 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 TDs). 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 of Kotak Bank NRI Royale Signature Credit Card:

    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 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

    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

  • Kotak Silk Inspire Credit Card - Exclusively for Women
  • Kotak Royale Signature Credit Card
  • Kotak Privy League Signature Credit Card
  • Kotak Essentia Platinum Credit Card
  • Kotak Delight Platinum Credit Card
  • Kotak League Platinum Credit Card
  • Kotak PVR Platinum Credit Card
  • Kotak Easyday Titanium Credit Card
  • Kotak Urbane Gold Credit Card
  • Kotak PVR Gold Credit Card
  • Kotak Aqua Gold Credit Card
  • Kotak Fortune Gold Credit Card
  • Kotak Feast Gold Credit Card
  • Kotak Easyday Silver Credit Card
  • Kotak Best Price Credit Card
  • Kotak Corporate Platinum Credit Card
  • Kotak Wealth Management Infinite Credit Card
  • Kotak Corporate Wealth Signature Credit Card
  • Kotak Corporate Gold Credit Card

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    Kotak Bank NRI Royale Signature Credit Card Reviews

    • Kotak Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      Have chosen Kotak royale signature credit card Based on the suggestion and offers . Am not satisfied with the credit limit of Rs 20000 which is very low compared to the card which am already holding . I will use this card for normal shopping purpose . Except credit limit everything is good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 06, 2018
    • Kotak
      Kotak Credit Card
      0.5 4.0/5 "Great!"
      I just upgraded the credit card with Kotak Mahindra Bank. I currently have a Royale Signature card. Though it is a chargeable card and there are good in rewards. There are more features too, there is a airport lounge facility too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Kotak Royal Credit card for a while. It has been a very good experience. The limit is very good and it provides complementary lounge access and it has also got cash back offers. Overall it has been a very useful car so far.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Jul 14, 2018
    • Kotak Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I have a Royale Signature Credit Card with this Bank and the experience has been average. The Reward points system is not there. They have provided me with a low limit. I have good advantages while buying Petrol. Online payment gets updated within 1-2 days. Customer service of them is alright compared to other banks. The Charges are also pretty good in it.
      Was this review helpful? 0
      , jaipur
      Reviewed on Mar 01, 2018
    • Kotak Credit Card
      "Charges are high"
      0.5 3.0/5 "Satisfactory"
      I have two major concerns with Kotak Mahindra bank for the credit card. I was informed that there are no charges for the first year and now I am being charged for it. The second thing is the limit is very low. It is only of 20K. The good part is the mobile application is very good. It shows what we are buying and what are the add on.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 09, 2018
    • Kotak Credit Card
      0.5 4.0/5 "Great!"
      I have a royale signature credit card with Kotak Mahindra. The process is good and in a timely manner. There are offers on shopping and on a weekend I can get the offer of buy one get one movie ticket free and 200 worth for food too at a restaurant. Total of 500 worth I get on the ticket and food. The credit limit is also good and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2018
    • Kotak Credit Card
      "Need Improvement"
      0.5 3.0/5 "Satisfactory"
      The Kotak mahindra bank executives came to my place twice to collect the documents on time to process my credit card application , but still I never got any kind of update regarding my credit card application. The customer support need to update the status of the product to the customers those have applied for the product.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 10, 2018
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