Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Kotak Bank Royale Signature Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
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    Response Time : Within 30 minutes
    Rs.1,500 Amazon Voucher Paperless approval available
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    Kotak Bank Royale Signature Credit Card is Rated as "Blown Away!" by 8 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
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved by Kotak Mahindra Bank and the experience was good. The process was quick and i received my credit card within 1 week. I am happy with the credit limit which is offered by HDFC and there is no annual fee charged for this credit card. Customer service was good and they collected documents on time. I am not aware of any offers in this credit card and i use this card for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have been banking with Kotak Mahindra bank for last few months they had initially gave a credit limit of 75,000 after three months they had increased to 98,000 i don't have to pay an annual fees to use this card.Net banking is user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      KOTAK ESSENTIA PLATINUM CREDIT CARD is one of the best card in which I have received. Received the card within the given time. Customer service and responsiveness is really super. I have three more cards, among those KOTAK ESSENTIA PLATINUM CREDIT CARD is the best.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      It is good to use the PVR Platinum credit card for past one year from Kotak mahindra bank. The credit limit value which I got from this card is good and I am satisfied with it. The customer support is good with the Kotak mahindra bank PVR platinum credit card. I would say it is good to use the KOTAK PVR platinum credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have applied KOTAK MAHINDRA BANK credit card and received within a month time. The limit which expected is given and I satisfied with it. Also I like the feature of uploading documents via online. Response from the bank was good, I appreciate the kind response provided by the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "looking for better credit limit"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak Mahindra Bank from last 1 year, the services provided by KMB credit card is good when compared to all other credit cards. There is no annual fee charged for this credit card. I get offers like buy 1 get 1 movie tickets in this credit card. I use net banking for making payments. I have a credit limit of Rs 30000 which is less for this credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 22, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience for me With Kotak mahindra bank credit card department. I already have my salary account with Kotak mahindra bank the verification procedures has been smooth. The interest and charges was fine with Kotak, it was totally a excellent experience with Kotak mahindra bank credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience for me With Kotak mahindra bank credit card department. I already have my salary account with Kotak mahindra bank the verification procedures was been smooth. The interest and charges was fine with Kotak,it was totally a excellent experience with Kotak mahindra bank credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am having the Kotak mahindra bank credit card and am using it from the last 1.5 years of time. I would like to say that the response is fine one for me and the rate of interest is around 12%, which was the only drawback with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I got my credit card immediately with Kotak Mahindra Bank. I have a Kotak Delight credit card. They gave one lakh rupees as a credit limit but I have been informed as will be getting more than a lakh. The customer service and response was good. The payment option is easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I had applied for a credit card with Kotak through online channel. They offered me a Kotak Essentia card. The credit limit was good and satisfactory. They charge annual fee of 1500 rupees for a year. The documents are collected by the executive. I got the card on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 10 months, i am happy with the credit card services with this bank. I paid an annual fee of Rs 499 which has to be paid every year for this credit card. I am not aware of any offers in this credit card. I use mobile banking for making payments and i have a credit limit of Rs 20000 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2018
    • Kotak Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 1 year, the services provided by KMB credit card is comparatively good than other credit cards. There is no annual fee charged for this credit card. I get cash back offers in this credit card. I use net banking for making payments. Initially i had a credit limit of Rs 10000 and later they increased the credit limit to Rs 13000.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 18, 2018
    • Kotak Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I recently took a credit card with Kotak Mahindra Bank through online. The credit limit was good, they gave me the highest credit limit. I have Kotak Visa Urbane card. The customer service has called me on time and provided a proper information.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Kotak Mahindra bank from last 1 year, the credit card services are average when compared to all other credit cards. An annual fee of Rs 200 has to be paid which will be waived off based on the number of transactions. I get offers like buy 1 get 1 movie tickets. The card type is Urban gold and i have a credit limit of Rs 45000 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • Kotak Credit Card
      "Far far better"
      0.5 4.0/5 "Great!"
      I am having the Kotak mahindra bank credit card and am using it from the last three months of time. Response is also far better one with them and the customer service is also really fine. I would like to say that the online banking service is also fine one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Kotak Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am having the Kotak mahindra bank Urbane gold credit card , The customer support service is good with the kotak mahindra bank. The credit limit value of Rs,35,000 and they told they can increase the credit limit value up to 75,000 and I Am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 16, 2018
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The kotak mahindra bank has offered me a credit card based on my salaried account. I got the Kotak mahindra Urbane gold credit card within 15days of time. I use this card for grocery, purchases, electronic bills, hospitality and for other usages.' I am not satisfied with the credit limit value with this Urbane gold credit card and still they need to increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • Kotak Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with Kotak Mahindra bank from last 5 months, the credit card services are comparatively good when compared to other credit cards. They did not charge any annual fee at the time of getting this credit card. I did not get any offers in this credit card till now and i use this credit card for general purpose. I have a credit limit of Rs 40000 which is sufficient for this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 15, 2018
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am using Kotak Mahindra credit card from last 4 months, the credit card services are comparatively average than other banks. There is no annual fee charged for this credit card and the card type is Urban. I did not find any offers in this credit card. I use net banking for making payments. I have a credit limit of Rs 16000 and the cash limit of Rs 4000 in this credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 15, 2018
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