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    We found 1 Kotak Bank Royale Signature Credit Card
    Card
    1st Year Fee
    Rewards
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    Response Time : Within 30 minutes
    Rs.750 Amazon voucher free Paperless approval available
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    Fee Details
    Kotak Bank Royale Signature Credit Card is Rated as "Blown Away!" by 7 Users

    Fees & Charges

    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    Kotak Bank Royale Signature Credit Card

    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 sets it a league apart from other rewards credit cards in the market.

    • Unmatched Rewards

      Customers are offered 10X reward points for every Rs.100 billed to their card at select VISA merchant categories. 5X rewards are offered on all other spends.

    • Customizable Rewards

      Rewards can be customized form a variety of options like air-miles, movie tickets, air tickets and more by deactivating auto redemption.

    • A Wide Array of Reward Options

      A host of reward options like air tickets, merchandise options and mobile recharge with auto redemption facility that makes every purchase more rewarding.

    • Priority Pass Program

      With the Kotak Royale Platinum Card, customers can travel in style with privileges like access to business lounges and limited complimentary visit for primary cardholders.

    • Fuel & Railway Surcharge Waiver

      Cardholders can avail a 2.5% fuel surcharge waiver and railway surcharge waiver of 1.8% to 2.5%.

    Benefits of Kotak Royale Signature Card

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

    • Free Card

      The free variant of this card offers an array of exclusive benefits like airport lounge access, card security coverage and priority attend advantage.

    • Cover Against Fraudulent Transactions

      Cardholders also get a Rs. 2, 50, 000 cover against fraudulent use of the credit card for up to 7 days after reporting the loss of card.

    • Priority Services

      You can reach Kotak’s customer care by sending just an SMS. To pay your monthly dues, you can make use of the complimentary cheque pickup service.

    • 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 spend limit and track the spends separately for each card.

    • Taj Epicure Membership

      As a signature credit cardholder, you will be eligible for a host of dining privileges from the Taj and you will also get a complimentary membership to the Gold Tier of the Taj Inner Circle Program.

    Eligibility:

    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 – Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune and Mumbai.
    • The applicant’s annual income must be at least Rs.25 lakh and above.

    Documentation:

    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.

    Fees and Charges:

    Joining Fee for the paid variantRs.19,999
    Joining fee for the free variantNil
    Card replacement chargesRs.100
    Interest Charges3.10%
    Charges for add-on cardWaived
    Foreign Currency Mark-Up3.50%
    How to Redeem the Reward Points?

    Reward points can be easily redeemed online against an array of options including air miles, movie tickets, mobile recharge, cash and branded merchandise. You can login using the CRN, Dynamic Access code and password and select the redemption option of your choice.

    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 necessary details. You will receive an instant e-approval and you will also be able to track the application status of your card.

    Kotak Royale Signature Credit Card FAQs:

    1. Am I offered an interest free period on cash?

      Yes. The interest free period is for retail transactions only and does not include cash transactions.

    2. What is the maximum surcharge waiver that I can get?

      For fuel purchases, the maximum fuel surcharge waiver allowed in a year is Rs.3500. For railway transactions, it is limited to Rs.500.

    3. Tell me more about the insurance cover that is offered for lost or stolen card.

      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 after reporting the event. This is provided for both the primary and supplementary cards.

    4. What is the limit of transaction amount for a single swipe of the card?

      The minimum amount is Rs.500 and the maximum is Rs.3000 for a single swipe.

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

      You have to contact the customer center 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
      "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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