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    We found 1 Kotak Bank Royale Signature Credit Card
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    1st Year Fee
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    Response Time : Within 30 minutes
    Rs.750 Amazon voucher free
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    Kotak Bank Royale Signature Credit Card is Rated as "Blown Away!" by 4 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 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 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
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