Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • loading

    We found 1 Kotak Bank NRI Royale Signature Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    -
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Fee Details
    Kotak Bank NRI Royale Signature Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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

  • 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
  •  Loading your search... Loading your search...
  • Kotak Bank NRI Royale Signature Credit Card Reviews

    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was a very good experience I had with KOTAK for my credit card service ,customer support was very helpful ,when ever I contact them . Even the offers I use to get good regular offers from KOTAK , annual fees I pay around 750 ,overall I am very much comfortable with KOTAK service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 22, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Kotak bank has offered me a credit card. The offers are good and I get much of offers online. There are discounts provided always and the limit is also up to the mark. There is a EMI feature as well. I have availed this card before 2 years of time and the limit they have offered is 33000 rupees..
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 22, 2017
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      The services i am receiving from KOTAK mahendra bank for using the urbane gold card is really happy experience . the bank avails many good offers to me one the credit card . the customer service done from the bank side is really appreciable . also the KOTAK Bank give me a offer of no cost EMI on anything i purchase .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 21, 2017
    • Kotak Credit Card
      "Easy to hold"
      0.5 2.0/5 "Expected more"
      I hold a platinum credit card with KOTAK MAHINDRA BANK were my current limit is 1 lakh 25 thousand.The mobile application with the bank is user friendly. Balance transfer options are also available and i can redeem my reward points.The customer care is really pathetic with kotak as they are chargeable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 21, 2017
    • Kotak Credit Card
      "Good for EMI conversion"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra credit card provides me lower interest rate on EMI option and I could make my credit card payment easily through thier mobile app its has good payment gate . I am fine with the credit limit and their bills are transparent about the usage.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with KOTAK bank and I hold my salary account also here because I am satisfied with their services and responses overall. I can take EMI option If I purchase anything above 3000 using KOTAK credit card which is an advantage here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank is also to my expectation with the credit card. The team is good and they are responsive when ever I reach out to them. The online banking is convenient for these payments and to track my transactions too. The credit limit is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Kotak Credit Card
      "KOTAK Creditcard"
      0.5 1.0/5 "Really Bad"
      I had received the pin number from KOTAK but not the credit card . They confirmed that my card has been dispatched on last month 18th the card however I am yet to receive the new card., not sure about the card status too. Twice I contacted them they said they will call me back but I am yet to receive a confirmation from them.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Sep 20, 2017
    • Kotak Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I hold a credit card with Kotak Mahindra bank and the services are not to my satisfaction. There are no offers and the credit limit is also not good. The bank also needs to work on the response and the statements and the overall experience needs an improvement.
      Was this review helpful? 0
      , nagpur
      Reviewed on Sep 20, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      My credit card is from Kotak Mahindra bank and the offers and benefits on it is excellent. The credit limit is not that good only concern is that only and the banking is always up to the mark. The statements are perfect and the billing cycle is also convenient for me to pay. Am happy with the overall services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • Kotak Credit Card
      "not good"
      0.5 1.0/5 "Really Bad"
      It was not that joyful exp i am having with KOTAK MAHINDRA Bank Credit card . as a customer i say them i will be paying the bill by tomorrow but still they keep on calling me back to back that is kind of nagging the customer to the core .If that is the case then i will cancel the credit card within 2 months . Neither they have a track record of of their cases they just blindly call to the customers that is really nagging.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      My KOTAK credit card has the limit offered by them is very much satisfactory. The offers I get on the card is really good, they provide cash back offers too. I also get some movie tickets. Based on the salary account they have offered me this credit card and the limit they have offered is 20000 rupees and its a life time free credit card
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2017
    • Kotak Credit Card
      "Can be better"
      0.5 3.0/5 "Satisfactory"
      I have used the Kotak Mahindra bank credit card and I would like to say its not really best one. Experience is not really a good one for me and the response is okay one for me, also its not really that much great. I would like to suggest that they need to work a lot with the user interface.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 17, 2017
    • Kotak Credit Card
      "Satisfied with the experience"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank is good overall on the credit card. Though there are no much of offers, I still use it as my transactions are smooth and I am okay with the credit limit. The customer services are good and the response is also satisfactory overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 16, 2017
    • Kotak Credit Card
      "They should improve on credit card part"
      0.5 3.0/5 "Satisfactory"
      I don't see any offers on the Kotak Mahindra credit card, they only give rewards points for the transaction. I have been using this credit card around four months so far I didn't find any cash offers in e commerce but their Credit limit is sufficient and fine.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 16, 2017
    • Kotak Credit Card
      "Good for transactions"
      0.5 4.0/5 "Great!"
      As said the Kotak bank need to increase their services more and increase the credit limit based on the criteria or CTC based, but the transnational charges needs to be reduced as per the bank norms and credit loans should be provided for eligible ones over all its okay for online transactions .
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 15, 2017
    • Kotak Credit Card
      "Convenient Credit card"
      0.5 4.0/5 "Great!"
      I do hold Kotak Mahindra Feast Gold credit card, they giving discounts at online purchase at amazon and flipkart. But in Amazon I am getting low offers but in Flipkart, Kotak offering high interest. I do get some reward points for the transaction, But I generally won't redeem until I get a call from customer care to inform about the expiry date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 15, 2017
    • Kotak Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      The Kotak Mahindra credit card department gives very good service to the customers. It is very helpful to do the shopping, purchases and for other usages. The EMI converting option is good with Kotak mahindra card. The credit card service is really helpful for all kind of emergency usages. So I can say overall service was excellent from KOTAK.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Sep 14, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Kotak bank as well and the best is the reward points I earn on my transactions and the points are redeemable as well. They have offered me the credit limit around 45 thousand they have offered me life time free credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Credit limit offered by KOTAK bank is really excellent and it can be extendable based on your transactions and it is very much hassle free, I do get a lot of complimentary offers its an excellent service which was provided by KOTAK MAHINDRA BANK.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.