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    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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    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
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with Kotak. The customer service and response was very good. The charges are normal. The credit limit was low, It would be great if they increase my credit limit. They charge annual fee but it will be waived off, If I transact more.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra bank from last 1 year, the service provided by KMB credit card is comparatively good. This is a zero annual fee credit card. I find this card very convenient to use. Offers like cash back and reward points are good in this credit cards. I use this card for online shopping and i am fine with the credit limit.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It was a good experience with Kotak Mahindra Bank. They dispatched the card on time. The credit limit was 50K. Executive came to my place to collect the documents. The customer service and response was average. It is a lifetime free credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has offered me a credit card and the banking services are good. The customer support is also fast in contacting me and informing me the details. I got the card on time and the whole experience is fine. The line of credit on my KOTAK Credit card is the best.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Credit card features should be enhanced"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra service is not good, t hey wont respond on time for my queries and also the credit limit is not satisfactory. I have been using Kotak service more than 8 to 9 months, even my brother is using the same card but still credit limit was not enhanced.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 3.5/5 "Pretty good"
      I applied for a credit card with Kotak Mahindra bank and they approved it and I took it from them. I have been using their Kotak Mahindra Platinum credit card for the past 3 years now and till now it is a good card for me. The annual fees of Rs. 750 is applied to this credit card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken Kotak Credit Card but I am not happy with the credit limit. They offered me Essentia Platinum credit card. They are good in customer service and response. The interest rate and charges are high compared to others. They charge annual fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra Bank credit card from last 1.5 years, the services provided by KMB is good when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. I get good offers like cash back and reward points. I use this credit card for general purpose and i am fine with the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with KOTAK. They have offered essentia platinum International card. The credit limit was 1.5 lakhs and I am getting 10% cashback offers, rewards points here. The customer service and responses was satisfactory The rate of interest and charges are average so My overall experience was good and I would like to recommend to others.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was been a awesome experience with KOTAK MAHINDRA for my credit card service the interest rate and charges was good with KOTAK MAHINDRA compare to others in the market and they provide me credit limit of two lakhs it was good service from KOTAK MAHINDRA for my credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using KOTAK MAHINDRA platinum credit card from the year 2015 they provide me with good offers also the customer service staffs where good in response it was totally a wonderful experience with KOTAK MAHINDRA for my credit card service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      The credit services charges are very high with Kotak mahindra credit card. I got the credit card with Kotak mahindra for past 2years. The customer support is not giving the proper response with the credit card department as well . I am satisfied with the credit limit. The service charges are very high with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Better banking"
      0.5 4.0/5 "Great!"
      I have purchased a credit card from Kotak Mahindra Bank.The limit on the card is one lakh,happy with limit,i have to pay an annual fees of Rs 600 to hold this card.I get offers for dining which is tied up with Kotak bank.Mobile App is good rather using net banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      Kotak Mahindra gave me the joining offer of some gift coupon its nice, I am holding Kotak platinum credit card its a life free credit card. The limit of the card is good they gave me Rs.80,000 its satisfactory, they will also increase the limit based on my transaction.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Unhappy with the services. "
      0.5 1.0/5 "Really Bad"
      I have taken a PVR platinum credit card from Kotak Mahindra bank first and I received a credit limit of one lakh. I needed a limit of two lakhs and more and I got only one lakh. There is no response when I contact the customer. I had tried the number a 100 times and I had to drive down 20 KMS to the bank to get to know the details on how to make my payment.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "No response"
      0.5 4.0/5 "Great!"
      I had applied for the PVR Gold credit card with Kotak Mahindra bank. The bank has contacted me and informed me the details and they were to come over to collect the documents but no one came over to take the paper work. No information about the charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Looking for the Better service"
      0.5 4.5/5 "Excellent!"
      I received Kotak Mahindra credit card long back, but still I didn't receive the pin of my credit card. Customer care executive who taken care of my credit card process didn't give any updates. I would like to suggest they should provide hassle free service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a credit card with Kotak Mahindra Bank i have had no issues during the process as well as with the customer service and response from them. The process was completed and the card was given to me on time. I am also Happy with the limit on the card.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      I had applied and taken a credit card with Kotak Mahindra Bank and i would say that the experience has been satisfactory. The application was processed but there was a delay in the disbursement of the card and there was a delay in receiving the card and during that time i had no call from them. The Limit is around 87K but it could have been better.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with KOTAK bank. I hold KOTAK pvr platinum International credit card . The customer service and responses was up to the mark. The credit limit was 25,000 which was satisfactory . The customer service and responses was up to the mark. I am getting pvr tickets and rewards points .My overall experience was good and I would like to recommend to others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
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