Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Kotak Bank Royale Signature Credit Card

    We found 1 Kotak Bank Royale Signature Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Fee Details

    Kotak Bank Royale Signature Credit Card is Rated as "Blown Away!" by 3 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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
      "Good deals"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and I bank with Kotak Mahindra bank for the same. The customer services are helpful when I call in to check about details in the statements. There are various deals on the card offered from time to time and it is useful to me.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 25, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      There are no charges for my credit card and the offers on it is more than satisfactory for me. I also have a decent credit limit and I am happy that Kotak Mahindra bank has given me these benefits. The customer support is also up to the mark and in all no issues.
      Was this review helpful? 0
      , pune
      Reviewed on May 24, 2017
    • Kotak Credit Card
      "Good features"
      0.5 4.5/5 "Excellent!"
      There are nominal charges taken on the credit card but the offers are good at Kotak Mahindra bank. The limit the bank has offered is good enough and the customer services are good as well because they are helpful when I contact them and the bills are on time.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I bank with Kotak Mahindra bank for a credit card as well and they are equally good on this product. There are offers provided from time to time and there are no charges taken for my card. The customer services and response has also been good and in all no issues faced.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Convenient credit card"
      0.5 5.0/5 "Blown Away!"
      Kotak service is very good, their customer service is giving very good response. I am not using my credit card frequently but whenever I use my credit card it gives a wonderful experience. Kotak credit card bills are very clear and transparent, they give proper details about the transaction.
      Was this review helpful? 1
      , mangalore
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra League Platinum credit card for about past 2 years. I got benefits like reward points cash back offers and gift vouchers and movie tickets offers and other benefits . The rate of interest is nominal with this card . Overall I am happy using this card.
      Was this review helpful? 1
      , jalandhar
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Previously I used Trump credit card of Kotak Mahindra it had low credit limit around Rs.25,000, recently they had given Kotak League credit card with nominal limit. I guess they are providing good reward points or cash back offers. It normally takes about a day's time for the payment to get reflected in the system the payment does not get reflected instantly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak mahindra bank and there are no annual charges there. Its completely a good credit card when compared with other credit card. Credit limit which is assigned to me on this credit card is around 48000 Rupees. To conclude, I would say I am very much happy with their service,.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Very Good"
      0.5 4.0/5 "Great!"
      I am having the Kotak Mahindra Bank credit card and am having it from the last 1.5 years of time. The services are excellent with them Credit limit value provided by them is very minimal which is around 36000 Rupees and it is a life time free credit card. Based on the salary account they have offered me personal loan and even credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Very good offers and overall good service"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a life time free credit card. The benefits are good and the credit limit is also good and the bank has excellent customer services. The phone banking is easy to connect too and they are supportive when I reach out to them.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Excellent services"
      0.5 4.5/5 "Excellent!"
      Kotak Mahindra bank has offered me a credit card as well and I am equally happy with this product. There are offers given from time to time and I also have a decent credit limit too. The statements are clear and there are no hassles in banking with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 17, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a credit card and though I do not use it much, I am happy with the services I receive and when ever I contact the customer care team, they are helpful in sorting out my clarifications. The bills are clear and overall a good experience.
      Was this review helpful? 0
      , delhi
      Reviewed on May 16, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I currently use the credit card with Kotak Mahindra bank and I am happy with it as i get normal benefits. The credit limit is 10000 rupees and they have called me for enhancing the credit limit but I denied overall the transactions done on the card is intimated and the statements are clear and on time to me
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 15, 2017
    • Kotak Credit Card
      "Good card but not usable"
      0.5 2.0/5 "Expected more"
      I got Kotak mahindra kotak league platinum credit card few days back. I am not using this card because, Kotak mahindra has forced me to take this card, while I got the Personal Loan with them. I guess I need to pay the annual fee of Rs.499 which is not required. The service need to be improved. My sincere request to them woul dbe "Do not force the customer to take up any product in future".
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 13, 2017
    • Kotak Credit Card
      "Quick services"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank has offered me a credit card after I have taken my loan from them. They have offered me a credit limit of 75K and the process of me receiving the card was much before than the date I was promised. I am yet to receive the PIN number.
      Was this review helpful? 1
      , chennai
      Reviewed on May 12, 2017
    • Kotak Credit Card
      "Good beneficial card"
      0.5 5.0/5 "Blown Away!"
      I like overall service of Kotak Mahindra credit card, I have accumulated good rewards points, I have taken this credit card before one year, Kotak have increased my credit limit before I request and there is no annual charges applicable with my credit card. Moreover I am using International credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2017
    • Kotak Credit Card
      "Not recommendable"
      0.5 3.0/5 "Satisfactory"
      The statements are not clear at all with Kotak Mahindra bank for the credit card. I have a EMI on my card and instead of paying from my savings account, I pay the EMI by cash. But the bank keeps charging me Rs. 500 for the same. Like wise they keep calling me continuously informing me about a outstanding and I keep telling them to send an executive to collect the payment. Till date no one has come and I am unable to make it to the bank as I have just been out from hospital.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 09, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      One of the best credit cards I prefer is the one from Kotak Mahindra bank. Only because they provide me with the best of deals as promised. The credit limit is also good and the statements are crystal clear. I also receive calls often giving me details of the on going offers.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 08, 2017
    • Kotak Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra bank and the bank has been giving me a lot of benefits on the card. There are EMI features and there are loan facilities as well. There are cash back offers and also points which can be redeemed easily. Overall good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 06, 2017
    • Kotak Credit Card
      "The best bank"
      0.5 5.0/5 "Blown Away!"
      The benefit that I receive on my credit card is really great where the offers are very much useful to me. I recently received a call from Kotak mahindra bank informing me that I am eligible for a loan on card, likewise I get other benefits like cash back and reward points as well on this card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 03, 2017
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