Kotak Bank NRI Royale Signature Credit Card

Kotak NRI Royale Signature Credit Card Features

1. 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.

1. You can now earn 2 reward points on international spends.

1. Enjoy fuel surcharge waiver.

1. Enjoy railway surcharge waiver.

1. Get NRI Royale Shield.

1. 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.

Kotak NRI Royale Signature Credit Card Benefits

Double Rewards on International Spending

1. Earn double rewards on international transactions – get 2 reward points for every Rs.200 spent abroad.
2. For domestic transactions, earn 1 reward point for every Rs.200 spent.
3. You can accumulate and redeem these points for a variety of options, such as movie tickets, air tickets, cash, and more.
4. Each reward point is equivalent to Re.1.

Hassle-Free Payments in INR

1. While visiting India, avoid the currency conversion fees typically charged on foreign-issued credit cards.
2. Enjoy the convenience of paying for your shopping, dining, and travel directly in Indian Rupees.

Fuel Surcharge Waiver

1. Receive a waiver on fuel surcharge for transactions between Rs.500 and Rs.3,000.
2. The maximum waiver allowed in a calendar year is Rs.3,500.

Railway Surcharge Waiver

1. Save on railway surcharge fees for bookings made through IRCTC and at Indian Railways counters.
2. The annual maximum surcharge waiver is Rs.500.

Add-on Card Benefits

1. Extend the NRI Royale Card benefits to your family members by gifting an add-on card to your spouse, parents, or children (above 18 years), regardless of their location or citizenship.
2. A one-time fee of Rs.599 per add-on card applies.

Airport Lounge Access

1. Enjoy 2 complimentary visits per quarter to Dream Folks Lounges within India.
2. Take advantage of perks like gourmet meals, free Wi-Fi, comfortable seating, and access to newspapers, magazines, and widescreen TVs.

How to Redeem Reward Points

1. Introduced to make managing reward points on your Kotak credit cards easier, Kotak Rewards is your new point redemption currency. You can use your points for a range of categories, such as movie tickets (BookMyShow Vouchers), mobile recharge, shopping for 10,000 products, and e-vouchers for different companies.
2. Using Reward Points to Pay:
   1. Make a cashless payment. Make a payment without a card.

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.

Fees and Charges of Kotak Bank NRI Royale Signature Credit 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.

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 lakh (Only individual TDs). General eligibility conditions are as follows.

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

1. The available credit limit may exceed 80% of the value of your Fixed Deposit (FD).

1. FD Minimum Amount: Rs.1 lakh

1. Individual FDs alone are permitted.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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