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    Kotak Bank Royale Signature Credit Card is Rated as "Excellent!" by 13 Users

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

    Documentation of Kotak Bank 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.

    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 BankBazaars homepage, select the credit cards option to choose the card as per bank or as per your usage. BankBazaars 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.

    FAQs Kotak Royale Signature Credit Card:

    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
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      I have got the KOTAK PVR GOLD CREDIT CARD within a week time. The customer support service and the response is good with the kotak mahindra bank. the credit limit value is good with this card and I am satisfied with it. I get the benefits reward points and the cash back offers from this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The service is good with the kotak mahindra bank and I use the Kotak urbane gold credit card for the past 5 years. The benefits and the offers are not up to the mark with the Kotak mahindra bank , but their customer support service and the response is good with the kotak mahindra bank.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak bank were i am happy with the limit. I have received reward points and cash back after the purchases. I have not used the points till now.The customer service is good. EMI option are available with Kotak credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 20, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The kotak mahindra bank gave me good service in regards to my credit card application. They have delivered the credit card within 15days of time. The customer support service and the response is good with the Kotak mahindra bank .I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra and i am satisfied with the current limit.For the purchases i get reward points and cash back . And i have redeemed my reward points. The mobile banking is comfortable . The customer service and response is fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. I am satisfied by the credit limit which is Rs. 33,000/-. I didn't faced any online issues like otp issues when i tried to make online payments and funds transfer by net banking.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "best product"
      0.5 4.0/5 "Great!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. The application process very simple and easy. I am totally satisfied by their credit limit which is Rs. 45,000. The customer support is good and well response.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. There is a annual fee of 2500. The customer services and response is excellent. Though the fee is high. There are good deals on the card. There is a cash back of 10% on dining and restaurant and movie tickets and also on shopping.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have a Kotak Mahindra PVR gold card from last 1 year, i get offers like movie tickets on this credit card and they did not charge any annual fee at the time of getting this credit card. I am happy with the credit limit in this card and i use mobile banking for making bill payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "service is good"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most private sector bank KOTAK MAHINDRA BANK. The application process very simple and easy. I had mobile application to monitor my credit card history. Even i can check my available credit limit and un billed amount too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Kotak Visa credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a VIsa credit card with Kotak and for EMI conversion the rate of interest is 14%. I used to get reward points and cash back with the card. There is an annual charge and will be reversed if the purchase is above 30000. I am comfortable with mobile banking.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using Kotak Mahindra credit card from last 2 years, the credit card services are not up to the mark with Kotak. Net banking is easy to make bill payments and this is a lifetime free credit card. I did not find any offers so far with this card and the credit limit is sufficient in this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Excellent credit card"
      0.5 5.0/5 "Blown Away!"
      I have been using the kotak essentia platinum credit card for more than 2months the credit card is very good in service and customer service is also very good the cooperation with the banking is very good this is excellent credit card to use all the time.
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      When I got call from the kotak , the card which they were about to offer me was life time free, but when I got the : KOTAK PVR GOLD CREDIT CARD they have charged me Rs,499 as annual fee to this card. The promises need to be fulfilled by the Kotak mahindra bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with Kotak Mahindra bank. The service is good with Kotak Mahindra bank. The rate of interest and charges are good with Kotak. The credit limit of Kotak is nominal compared to others in the market. I uses Kotak Mahindra online net banking which is easy to use. It was an fine experience with Kotak Mahindra credit card service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      The credit card service was good and I have got the KOTAK PVR GOLD CREDIT CARD in 45 days of time. They took higher than normal time to deliver the credit card. The credit limit value is average with this card and I had applied for the different card but the card which I got is different.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 17, 2018
    • Kotak Credit Card
      "Better service"
      0.5 5.0/5 "Blown Away!"
      The Kotak mahindra bank credit card service is good and I have got the kotak credit card in a month time ,Kotak took higher than normal time. The credit limit value is low with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • Kotak Credit Card
      "Average service"
      0.5 5.0/5 "Blown Away!"
      The credit card process was good quite good with the Kotak mahindra bank. I have got the KOTAK PVR GOLD CREDIT CARD in 10 to 15days of time. The credit limit value is low with this card, when compared with the other credit cards. The customer support service need to be focused with the Kotak mahindra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 16, 2018
    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for the credit card. The customer services and response is good and there are no hassles in the process. I am also happy with the credit card offers and the credit limit. I also get the statements on time. Overall no issues.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 14, 2018
    • Kotak Credit Card
      "Can be more responsive"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Kotak Mahindra bank. The offers and credit limit is good. But there is no proper response. They need to work on that, and be more responsive when I approach them with a query. The statements and limit is good and there are no hassles in that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 14, 2018
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