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    Kotak Bank NRI Royale Signature Credit Card

    We found 1 Kotak Bank NRI Royale Signature Credit Card

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    Kotak Bank NRI Royale Signature Credit Card

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    Overview:

    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.

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  • Kotak Bank NRI Royale Signature Credit Card Reviews

    • Kotak Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      There are no charges for my credit card and the offers on it is more than satisfactory for me. I also have a decent credit limit and I am happy that Kotak Mahindra bank has given me these benefits. The customer support is also up to the mark and in all no issues.
      Was this review helpful? 0
      , pune
      Reviewed on May 24, 2017
    • Kotak Credit Card
      "Good features"
      0.5 4.5/5 "Excellent!"
      There are nominal charges taken on the credit card but the offers are good at Kotak Mahindra bank. The limit the bank has offered is good enough and the customer services are good as well because they are helpful when I contact them and the bills are on time.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I bank with Kotak Mahindra bank for a credit card as well and they are equally good on this product. There are offers provided from time to time and there are no charges taken for my card. The customer services and response has also been good and in all no issues faced.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Convenient credit card"
      0.5 5.0/5 "Blown Away!"
      Kotak service is very good, their customer service is giving very good response. I am not using my credit card frequently but whenever I use my credit card it gives a wonderful experience. Kotak credit card bills are very clear and transparent, they give proper details about the transaction.
      Was this review helpful? 1
      , mangalore
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra League Platinum credit card for about past 2 years. I got benefits like reward points cash back offers and gift vouchers and movie tickets offers and other benefits . The rate of interest is nominal with this card . Overall I am happy using this card.
      Was this review helpful? 0
      , jalandhar
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Previously I used Trump credit card of Kotak Mahindra it had low credit limit around Rs.25,000, recently they had given Kotak League credit card with nominal limit. I guess they are providing good reward points or cash back offers. It normally takes about a day's time for the payment to get reflected in the system the payment does not get reflected instantly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak mahindra bank and there are no annual charges there. Its completely a good credit card when compared with other credit card. Credit limit which is assigned to me on this credit card is around 48000 Rupees. To conclude, I would say I am very much happy with their service,.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Very Good"
      0.5 4.0/5 "Great!"
      I am having the Kotak Mahindra Bank credit card and am having it from the last 1.5 years of time. The services are excellent with them Credit limit value provided by them is very minimal which is around 36000 Rupees and it is a life time free credit card. Based on the salary account they have offered me personal loan and even credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Very good offers and overall good service"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a life time free credit card. The benefits are good and the credit limit is also good and the bank has excellent customer services. The phone banking is easy to connect too and they are supportive when I reach out to them.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Excellent services"
      0.5 4.5/5 "Excellent!"
      Kotak Mahindra bank has offered me a credit card as well and I am equally happy with this product. There are offers given from time to time and I also have a decent credit limit too. The statements are clear and there are no hassles in banking with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 17, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a credit card and though I do not use it much, I am happy with the services I receive and when ever I contact the customer care team, they are helpful in sorting out my clarifications. The bills are clear and overall a good experience.
      Was this review helpful? 0
      , delhi
      Reviewed on May 16, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I currently use the credit card with Kotak Mahindra bank and I am happy with it as i get normal benefits. The credit limit is 10000 rupees and they have called me for enhancing the credit limit but I denied overall the transactions done on the card is intimated and the statements are clear and on time to me
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 15, 2017
    • Kotak Credit Card
      "Good card but not usable"
      0.5 2.0/5 "Expected more"
      I got Kotak mahindra kotak league platinum credit card few days back. I am not using this card because, Kotak mahindra has forced me to take this card, while I got the Personal Loan with them. I guess I need to pay the annual fee of Rs.499 which is not required. The service need to be improved. My sincere request to them woul dbe "Do not force the customer to take up any product in future".
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 13, 2017
    • Kotak Credit Card
      "Quick services"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank has offered me a credit card after I have taken my loan from them. They have offered me a credit limit of 75K and the process of me receiving the card was much before than the date I was promised. I am yet to receive the PIN number.
      Was this review helpful? 1
      , chennai
      Reviewed on May 12, 2017
    • Kotak Credit Card
      "Good beneficial card"
      0.5 5.0/5 "Blown Away!"
      I like overall service of Kotak Mahindra credit card, I have accumulated good rewards points, I have taken this credit card before one year, Kotak have increased my credit limit before I request and there is no annual charges applicable with my credit card. Moreover I am using International credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2017
    • Kotak Credit Card
      "Not recommendable"
      0.5 3.0/5 "Satisfactory"
      The statements are not clear at all with Kotak Mahindra bank for the credit card. I have a EMI on my card and instead of paying from my savings account, I pay the EMI by cash. But the bank keeps charging me Rs. 500 for the same. Like wise they keep calling me continuously informing me about a outstanding and I keep telling them to send an executive to collect the payment. Till date no one has come and I am unable to make it to the bank as I have just been out from hospital.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 09, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      One of the best credit cards I prefer is the one from Kotak Mahindra bank. Only because they provide me with the best of deals as promised. The credit limit is also good and the statements are crystal clear. I also receive calls often giving me details of the on going offers.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 08, 2017
    • Kotak Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra bank and the bank has been giving me a lot of benefits on the card. There are EMI features and there are loan facilities as well. There are cash back offers and also points which can be redeemed easily. Overall good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 06, 2017
    • Kotak Credit Card
      "The best bank"
      0.5 5.0/5 "Blown Away!"
      The benefit that I receive on my credit card is really great where the offers are very much useful to me. I recently received a call from Kotak mahindra bank informing me that I am eligible for a loan on card, likewise I get other benefits like cash back and reward points as well on this card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 03, 2017
    • Kotak Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      Based on the relationship that I maintain with KOTAK Bank they had offered me a credit card. They processed my application properly and the card was disbursed on time. There was no issue with the said bank for my credit card. Also I am much comfortable in using this kotak credit card. Initially they had captured my details incorrectly on the card, but later they rectified it, so it would be better if they are careful while capturing the customer details.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 03, 2017
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