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    Kotak Bank Royale Signature Credit Card

    The Kotak Mahindra Royale Signature Credit card comes with a host of amazing benefits for the cardholder. Apply online for the card and start racking up to 4 reward points for every Rs.250 you spend on the card.

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    Kotak Bank Royale Signature Credit Card is Rated as "Great!" by 35 Users

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    Credit Card BYTES FROM OUR KITCHEN

    What is more cumbersome than having to carry your cash while travelling? Experience seamless purchase experience in India and overseas with Kotak’s Royale Signature Card. Feel royally pampered with stellar features like fuel surcharge waiver, access to premium airport lounges, customizable reward options and priority assistance. With two Royale Signature card variants, free and paid, customers can choose their credit card option according to their budget.

    Features of Kotak Royale Signature Card:

    The following benefits offered by Kotak Royale Signature Card set it a league apart from other rewards credit cards in the market.

    • Unmatched rewards: Customers are offered 4X reward points for every Rs.150 billed to their card at special categories like dining, travel, air tickets, and international spends. On all other categories, 2X rewards are offered.
    • Bonus reward points: Spend Rs.4 lakh in an anniversary year and earn 10,000 reward points. For spending Rs.8 lakh, you will earn 30,000 reward points. 
    • A wide array of redemption options: The accrued reward options can be redeemed for a host of redemption options like air tickets, merchandise options and mobile recharge with auto redemption facility that makes every purchase more rewarding.
    • Airport lounge access: With the Kotak Royale Signature Card, customers will get 2 complimentary access per quarter to airport lounges within India. They are also entitled to unlimited paid access to all the participating lounges. They can enjoy various benefits offered by the lounges including a gourmet meal, TVs, newspaper and magazines, free Wi-Fi and others.
    • Contactless payment: With Visa payWave technology, the Signature Card offers fast and secure ways to make payments at the point of sale terminals. Cardholders can simply tap the card at the card reader to process the transaction. Transactions below Rs.2,000 can be processed without a PIN through the payWave card. 
    • Fuel & railway surcharge waiver

    Cardholders can avail 1% fuel surcharge waiver on all the fuel transactions worth Rs.500 and Rs.3,000. The maximum waiver is capped at Rs.3,500 per the calendar year. Customers can also enjoy railway surcharge waiver which is typically charged on railway tickets booking made using credit cards. The maximum waiver amount is capped at Rs.500 per year.

    Benefits of Kotak Royale Signature Card

    Live life king size with these benefits that accompany the Royale Signature card. 

    • Joining gift: For paid joining fee credit card variant, an air ticket voucher worth Rs.2000 will be sent to the registered e-mail ID upon paying the joining fee. 
    • Annual fee waiver: If the annual retail spends in a calendar year is Rs.1 lakh, the annual fee will be waived off for both paid and free variants. 
    • Cover against fraudulent transactions: Cardholders get Rs.2.5 lakh cover against fraudulent use of the credit card in case of lost or stolen credit cards. Up to 7 days before reporting the loss of card will be covered.
    • Priority services on SMS: The priority Attend service enables the customer to get a call back from the bank by sending a simple an SMS. SMS <KASSIS> to 5676788 to receive a call back within 2 hours. The service can be used to pay monthly dues, to request a cheque pick-up and others. 
    • Add-on cards: Customers can apply for add-on cards that will have the same benefits as the primary card. Also, you can set the spending limit and track the spends separately for each card.

    Fees and Charges associated with Royale Signature Credit Card

    Joining fee (paid variant)

    Rs.1,499

    Joining fee (free variant)

    Nil

    Annual fee (paid variant)

    Rs.999

    Annual fee (free variant)

    Rs.999

    Add-on card fee

    NIL

    Card replacement charges

    Rs.100

    Interest Charges

    3.40% per month or 37.2% per annum

    Foreign currency mark-up

    3.50%

    ATM cash withdrawal fee, call-a-draft fee, and find transfer fee

    Rs.300

    Late payment charges

    For statement amount less than Rs.500 – Rs.100

    For Rs.501 to Rs.10,000 – Rs.500

    Above Rs.10,001 – Rs.700

    Over limit charges

    Rs.500

    Cheque return charges

    Rs.500

    Credit card bill payment at bank branches

    Rs.100

    Reissue or replacement of the card

    Rs.100

    Charge slip request fee

    NIL

    Balance enquiry charges

    NIL

    Duplicate statement request fee

    NIL

    To get a copy of Credit Information Report (CIBIL)

    Rs.50

    Eligibility to apply for Kotak Bank Royale Signature Credit Card:

    Kotak Royale Signature Credit Card is an invitation-only card and the customer must satisfy the following criteria in order to be eligible for the card:

    • The primary cardholder must be aged between 21 to 65 years and the supplementary cardholder should be aged at least 18 years.
    • The applicant should be a resident of India and must be residing at any of the following locations including Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune and Mumbai.
    • The applicant's annual income must be at least Rs.24 lakh and above.

    Documentation required to apply for Royale Signature Credit Card

    The applicant will have to submit an identity proof and a proof of income. Documents like PAN card, salary slip, Income Tax returns statement, Voter ID, Aadhar, etc. will be asked for during the application process. Kindly contact Kotak Mahindra for more information regarding the documents required.

    How to Apply through BankBazaar?

    On BankBazaar’s homepage, select the credit cards option to choose the card as per bank or as per your usage. BankBazaar’s simple questionnaire will shortlist credit cards for you based on your usage and eligibility. You can choose Kotak Royale Signature card under Kotak Mahindra Bank. You can check your eligibility and also view other information about the card.

    To apply, you can select Apply Now and fill in the necessary details. You will receive an instant e-approval and you will also be able to track the application status of your card.

    FAQs Kotak Royale Signature Credit Card:

    1. Am I offered an interest-free period on cash?
    2. Yes. The interest-free period is for retail transactions only and does not include cash transactions.

    3. What is the maximum surcharge waiver that I can get?
    4. For fuel purchases, the maximum fuel surcharge waiver allowed in a year is Rs.3500. For railway transactions, it is limited to Rs.500 per year.

    5. Tell me more about the insurance coverage that is offered for lost or stolen card.
    6. The insurance cover is provided by HDFC ERGO for lost/stolen cards. The insurance company will reimburse unauthorized charges incurred on your lost/stolen card up to 7 days before reporting the event. This is provided for both the primary and supplementary cards.

    7. What is the limit of the transaction amount for a single swipe of the card?
    8. The minimum amount is Rs.500 and the maximum is Rs.3000 for a single swipe.

    9. What do I do in case my card is accidentally lost or stolen?

    You have to contact the customer centre immediately to block or deactivate your card. Also, you should register a claim with HDFC ERGO and send a copy of customer dispute form to Kotak Mahindra Bank.

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  • Kotak Bank Royale Signature Credit Card Reviews

    • Kotak Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      Using the Kotak Royale Signature credit card for past 2 months. I have chosen this card because of the cashback offers provided by this. They have given me a credit limit of Rs. 31000 and i just want to enhance my credit card. There is a annual fee of Rs. 499 in that they will give a cashback of Rs. 199 for the next year. There is a cashback offer and buy1+Get1 offer on PVR movie tickets. There is a10% cashback offer on flipkart.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      My KOTAK ROYALE SIGNATURE CREDIT CARD got blocked automatically when i use the card in petrol. For that i have called the customer care, its too difficult to connect with them. When i was trying to apply for the new credit card, they are charging Rs. 150. Customer care number is saying its an invalid number. Credit limit they have offered was Rs. 40000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 03, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      Took this KOTAK ROYALE SIGNATURE CREDIT CARD 20 days before. There is no specific reason for this selecting this card. I have got the credit limit of Rs. 40000. According to my credit score they have given me this limit. There is a annual fee of Rs. 499 as a yearly charges. According the monthly usage, there is a movie ticket offer and there is a default EMI facility for all purchase.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 02, 2018
    • Kotak Credit Card
      "Process has to be faster"
      0.5 4.0/5 "Great!"
      I have applied the credit card before 4 months back but the process was took for 2 months. It was very lengthy and verification process is also longer. I always make the payment on the due date so no idea about the charges. Its a Royale signature card, there is no annual fee for the first year , I am unable to register the online banking.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 19, 2018
    • Kotak Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have taken KOTAK ROYALECREDIT CARD through online portal. They charging annual fee of more than 500 rupees. Am not satisfied with the credit limit.I would appreciate they can increase my credit limit. The card was disbursed on the committed time. The documents are submitted to the executive.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 17, 2018
    • Kotak Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I was looking for a card which can give free airport launches and since then i went to chose this card. The process in getting this card has been tedious and it took nearly 4 weeks in getting the card. The credit limit with the card has been sufficient and i am yet to explore the benefits with the card and the card is chargeable from the second year only.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 11, 2018
    • Kotak Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with this card since there has been some good online offers available with the card as well as it is an international card. The process in getting the card has been good and i got the card on the right time. The credit limit with the card has been satisfactory and there has not been any annual charges with the card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 09, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Kotak Credit card is a good card and it mostly it helps giving discounts option while booking railways tickets and also movie tickets, it is associated with PVR as well. The only concern here is the OTP generation. Most of the time the OTP generation happens late. So bank could work on this.
      Was this review helpful? 1
      , thane
      Reviewed on Nov 04, 2018
    • Kotak Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been smooth and easy and the card also had reached on the right time. There has been some good offers available with the card and i had been using the card for everything. The credit limit which they had provided with the card has been less than what i was expecting.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 06, 2018
    • Kotak Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had been holding this card for the last one year and the services which they had been providing so far had been good. I had been using this card for shopping and all other purchases online and there has been discounts and cash back offers of 10% on all the purchases. They also had given me with a good credit limit with the card as well.
      Was this review helpful? 1
      , noida
      Reviewed on Jul 29, 2018
    • Kotak Credit Card
      "Very upset about the limit. "
      0.5 2.0/5 "Expected more"
      I'm not much happy with the credit card and the credit limit. I have applied the add on card for my wife and daughter. For that i have given all the documents which I'm not interested for that. They should not ask all the documents once again. I have got a credit limit of Rs. 40000 which is very less. I have applied for the Kotak Royal Signature card but they have provided a Kotak Essentia platinum card. I'm not happy with the services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 26, 2018
    • Kotak Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this card has been good and the card has reached on the right time. They had provided me with a good credit limit and there has been good features and benefits with the card. I have started it for shopping and all other purchases.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 23, 2018
    • Kotak Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with this card since i have heard that Kotak Mahindra Bank has been having a good reputation. The process in getting the card has been very good and the card has reached on time. They had given me with a very good credit limit and there has been good offers with the card which i am yet to be used.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2018
    • Kotak Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      The process in getting the card has been very simple and easy. They had provided me with a credit limit which was less than i expected. There has been good features and benefits with the card available. I had been using the card for shopping , fuel and all other purchases. There has not been any extra charges which they have made so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2018
    • Kotak Credit Card
      "Very Good Card"
      0.5 3.0/5 "Satisfactory"
      I never used this card still now because I'm in out station. I have received a card recently before 1 week. I never checked the offers in this card. They have offered me a credit limit of Rs. 75000. They are not sending any offer notifications. They are charging Rs. 199 as annual charges. If i use Rs. 3000 monthly then it will get waived off.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2018
    • Kotak Credit Card
      "Average Card to Use"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra has given 1 lakhs as a credit limit. I want more credit limit. The Credit limit which they have offered me is very insufficient for me. It is life time free credit card. I required minimum of 3 lakhs. Free Airport launch offers are there. I'm not much aware of the offers. I'm using this card for past 5 months. I have booked Air tickets by using this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2018
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I haven't got the selected credit card from the Kotak mahindra bank, I am planning to change the card which I was selected. The customer support service and the response is good with the KOTAK mahindra bank. The credit limit value is average with this card .
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jun 14, 2018
    • Kotak Credit Card
      "Experience then you will get the best"
      0.5 5.0/5 "Blown Away!"
      I got the earlier than what i expected. The privileges and advantages what they committed when i expressed it good with kotak. Lots of things to experience. I have just the got the card for 5 day. Other privileges and advantages i have to experience. Whatever my expectation it has done so far. Quick services from them.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 06, 2018
    • Kotak Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The customer support service and the response was good with the Kotak mahindra bank and they took around 20 days to deliver the Kotak mahindra bank Royale signaature credit card. I have got this car for the past 1 month. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 28, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      I bought the KOTAK ROYALE SIGNATURE CREDIT CARD online and this card has god cash back offers. The limit is very low and I get regular discounts for filling fuel. I just started using the card and I'll have to wait and see how this card works out for me in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2018
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