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  • Kotak Bank Royale Signature Credit Card

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  • The Kotak Bank Royale Signature credit card is a card which offers rewards and benefits across various categories such as dining, travel, and shopping. The card comes in 2 types and you can choose one according to your budget. The interest rate which is applied on the card is 3.1% per month along with no joining fee and an annual fee of Rs.999 which is waived off if your annual spends are more than Rs.1 lakh. For the Royale credit card variant including a joining fee, Rs.1,499 must be paid while applying for the card.
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    Kotak Bank Royale Signature Credit Card

    Experience seamless purchase in India and overseas with the Kotak Royale Signature Card. Feel royally pampered with features like access to premium airport lounges, customizable reward options and priority assistance. The card is available in 2 variants and you can choose one of the two according to your budget.

    Key Highlights of Kotak Bank Royale Signature Credit Card
    • The first swipe of the card gives you 2 BookMyShow vouchers.
    • The card has been designed to meet the needs of those who travel frequently and seek premium lifestyle privileges on their card.
    • One of the two variants of the Royale Signature Credit Card has no joining fee.
    • You earn 4X reward points for every Rs.150 spent on special categories like dining, travel, air tickets, and international spends. On all other categories, 2X rewards are offered.

    Features And Benefits Of Kotak Bank Royale Signature Credit Card

    Travel benefits: You get 2 complimentary airport lounge visits per quarter to domestic airports. Also get unlimited paid access for yourself and accompanying guests. You can enjoy various benefits offered by the lounges including a gourmet meal, TVs, newspapers and magazines, free Wi-Fi and others.

    Annual fee waiver: If the annual retail spends in a calendar year is Rs.1 lakh, the annual fee will be waived off for both paid and free variants.

    Milestone reward points: Spend Rs.4 lakh in an anniversary year and earn 10,000 bonus reward points. For spending Rs.8 lakh, you will earn 30,000 reward points. The bonus reward points will be credited at the end of the anniversary year.

    Contactless payment: With Visa payWave technology you can simply tap the card at the card reader to process the transaction. Transactions below Rs.2,000 can be processed without entering the PIN through the payWave card.

    Fuel & railway surcharge waiver
    • You can avail 1% fuel surcharge waiver on all the fuel transactions valued between Rs.500 and Rs.3,000. The maximum waiver is capped at Rs.3,500 per calendar year.
    • You can also enjoy railway surcharge waiver which is typically charged on railway ticket bookings made using credit cards. The maximum waiver amount is capped at Rs.500 per year.

    Add-on cards: You can apply for add-on cards that will have the same benefits as the primary card. Also, you can set the spending limit and track spends on each card separately.

    Priority services on SMS:
    • The priority attend service enables you to get a call back from the bank by sending an SMS. Just SMS 'KASSIST' to 5676788 and receive a call back within 2 hours.
    • The service can be availed to pay monthly dues, to request a cheque pick-up and others.

    Cover against fraudulent transactions: Cardholders get Rs.2.5 lakh cover against fraudulent use of the credit card in case of loss or theft of the card. Fraudulent transactions of up to 7 days before reporting the loss of card will be covered.

    Reward Point Benefits On Royale Signature Card

    • 4X reward points for every Rs.150 billed to the card for special categories like dining, travel, air tickets, and international spends.
    • On all other categories, 2X rewards are offered.

    The accrued reward options can be redeemed for redemption options like air tickets, air miles, cash, merchandise options, and mobile recharge with auto redemption facility that makes every purchase more rewarding.

    How To Redeem Reward Points On The Royale Credit Card?

    The Royale Signature Credit Card provides 2 different options to redeem your reward points.

    • Pay with reward points: You can convert the reward points accrued on the Signature Card into currency at merchant outlets through Kotak PayByPoints option.

    Once you're done with your shopping at a merchant store, at the time of billing ask the cashier to redeem reward points on your Kotak credit card. If there is any balance amount, you can pay it through cash or card.

    • Redeem rewards through net banking: You can redeem the reward points for cash, flight tickets, movie bookings, mobile recharge and other products through your Kotak Mahindra net banking account.

    Simply login to your Kotak Mahindra net banking account, choose 'Credit Cards > Rewards Redemption' and choose your option.
    Every 2 reward points accrued on the card can be redeemed for 1 Easy Point.

    Credit Limit on Kotak Royale Signature Credit Card

    The credit limit of Kotak Royale Signature Credit card along with the cash limit will be communicated to each cardholder at the time of card delivery. The credit limit on the card typically depends on the income of the applicant. Cash limit is a portion of the credit limit reserved for cash withdrawals.
    If you enable international transactions on your Signature credit card, the credit limit of the transactions remains the same as the total limit on the card.
    The available credit limit on the credit card is different from the total credit card and it varies as per your card usage. You will find the available credit limit in your monthly credit card statement.

    You can apply for credit card limit enhancement by contacting the bank directly. However, such requests can be made after using the card for a certain period as stipulated by the bank.

    Latest Credit Card Offers On Kotak Royale Signature Card

    Travel offer - Get 8% discount up to Rs.1,200 on domestic flight bookings and 7% off up to Rs.10,000 on international flight bookings made on Yatra mobile app. Use promo code 'YTVISA19' to avail the offer before it expires on 30 September 2019.

    Shopping offer - Use promo code 'KOTPLE010' and get 20% discount on your first order on the Purplle mobile app. Maximum discount is capped at Rs.100 per user and the offer is valid till 30 April 2019.

    Dining offer - Book a prepaid deal on Easy Diner and get Rs.299 discount on a minimum booking of Rs.400 and above. Use coupon code 'EDKM' to avail the benefit before 31 May 2019.

    Entertainment offer - Avail 25% discount, up to Rs.150, for movie ticket bookings on BookMyShow between 5:00 p.m. - 11:00 p.m. everyday. Hurry up, offer valid till 30 April 2019.

    Electronics offer - Get 5% cashback on purchases made at Reliance Digital every Monday. Maximum discount is capped at Rs.1,000 per transaction. Offer valid on transactions worth Rs.10,000 conducted before 28 April 2019.

    Fees And Charges Associated With The Royale Signature Credit Card

    Type of fee or charge Amount (Rs.)
    Joining fee (paid variant) Rs.1,499
    Joining fee (free variant) NIL
    Annual fee (paid variant) Rs.999
    Annual fee (free variant) Rs.999
    Interest Charges 3.40% per month or 37.2% per annum
    ATM cash withdrawal fee, call-a-draft fee, and find transfer fee Rs.300
    Add-on card fee NIL
    Card replacement charges Rs.100
    Foreign currency mark-up 3.50%
    Late payment charges

    For statement amount less than Rs.500 - Rs.100

    For Rs.500.01 to Rs.10,000 - Rs.500

    Above Rs.10,000 - Rs.700

    Over limit charges Rs.500
    Cheque return charges Rs.500
    Credit card bill payment at bank branches Rs.100
    Reissue or replacement of the card Rs.100
    To get a copy of Credit Information Report (CIBIL) Rs.50

    Eligibility To Apply For The Kotak Bank Royale Signature Credit Card

    You can apply for the Kotak Bank Royale Signature Credit Card if you meet the following conditions:

    • You are aged between 21 to 65 years and the supplementary cardholder is at least 18 years of age.
    • You are a resident of India and reside at any of the following locations including Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune and Mumbai.
    • Your annual income is at least Rs.24 lakh.

    Documents Required To Apply For The Royale Signature Credit Card

    You will have to submit an identity proof and 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. Kotak Mahindra Bank would inform you if it needs some additional documents.

    How To Apply For The Kotak Royale Signature Credit Card Online?

    You have the option of applying for the card on the official Kotak Mahindra website. The other option is to apply on the BankBazaar website and enjoy multiple benefits like paperless approval, short processing time, checking your eligibility, etc.
    To apply on BankBazaar, just do the following:

    • On the Kotak Royale Signature Credit Card page on the BankBazaar website, check your eligibility by selecting the 'Check Eligibility' option.
    • If your eligibility is established, on the application page, enter the details sought and click 'Submit'.
    • After entering the details, you need to upload the documents and then click on 'Submit'.

    The application ID you receive on successfully carrying out the process can be used to track your application using the ' Track Application ' feature on BankBazaar.

    FAQs on the Kotak Royale Signature Credit Card

    1. Am I offered an interest-free period on cash withdrawal with my Kotak Royale Signature Credit Card?
    2. No, the interest-free period is applicable only for card-based transactions and not for cash withdrawals.

    3. What is the maximum surcharge waiver that I can get with the Kotak Royale Signature Credit Card?
    4. For fuel purchases, the maximum fuel surcharge waiver allowed in a year is Rs.3,500. For railway transactions, it is limited to Rs.500 per year.

    5. When would the bonus reward points get credited to my Kotak Royale Signature Credit Card account?
    6. The bonus reward points would be credited to your account at the end of the anniversary period.

    7. Can I use the contactless payment facility of the Royale Signature Credit Card at all merchant locations?
    8. You can use the contactless payment facility only at merchant locations that accept Visa PayWave transactions. Just check for the Visa PayWave mark and contactless logo at the point of sale to know about the acceptability of contactless payment at the merchant locations.

    9. Which customer care number to contact for any issue related to my Royale Signature Credit Card?
    10. Contact Kotak Mahindra credit card customer care by dialling 1860-266-2666.

    Also Know About Other Credit Cards Offered By Kotak Bank

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Kotak Bank Royale Signature Credit Card Reviews

    • Kotak Credit Card
      "Good card for all usage"
      0.5 5.0/5 "Blown Away!"
      I got the Kotak Royal Signature card its good for my usage I never faced any issue so far from the bank end. I have been using this card for last three years but before two months I upgraded to Royal signature card it has waiver option on yearly fee if I spend certain limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2019
    • Kotak
      Kotak Credit Card
      "Process should be improved a lot"
      0.5 1.0/5 "Really Bad"
      I have Kotak Royale Signature card it was referred by my friend. The process was very complicated and not even helpful first time they taken the application and rejected it and their person came twice to my office again the verification happend. Finally I got the card but the limit is also lower around Rs.1.5 lakh but where bank gave me more than Rs. 5 lakhs of limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 20, 2019
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected kotak royal signature credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2019
    • Kotak Credit Card
      "Branches are less in Bangalore"
      0.5 5.0/5 "Blown Away!"
      I got the credit limit in low time and the documentation was very less and simple thats the reason i opted for this card. I got this card for mainly for offline purchase recently i bought the tab using this card and i have convert the payment into EMI. They have charged Rs. 80 for the EMI processing fee. ATMs are not available nearby my home and my office.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 31, 2019
    • Kotak Credit Card
      "Process to be faster & Limit to be increased"
      0.5 5.0/5 "Blown Away!"
      I have received a KOTAK ROYALE SIGNATURE CREDIT CARD through online channel. Actually the credit limit is not enough for me which is less than my existing credit card. It would be great, if they can increase my limit. The annual charges are fine and have used the card. The documentation process was simple but they have taken 1.5 months to process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 30, 2019
    • Kotak Credit Card
      "Very Good services"
      0.5 4.0/5 "Great!"
      Still i am not approaching the customer care and whatever the service they are providing its good. I have not even completed the 1 month also for using the card and I've received the first month bill and its clear to understand. This card taken on a card to card basis which is very nice.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 26, 2019
    • Kotak Credit Card
      "Need lot of improvement"
      0.5 2.0/5 "Expected more"
      I am not happy with the services of Kotak Mahindra Bank. There are lot documents has been collected by me even the annual fee is not informed accurately. The credit limit is low, they are charging 2K for 20000 rupees. I got a Kotak Royale Signature card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 26, 2019
    • Kotak Credit Card
      "Good card for EMI tenure"
      0.5 5.0/5 "Blown Away!"
      EMI tenure is flexible and in future also they will provide loan. In all other card the EMI upto 24 months but in Kotak mahindra card, i get the EMI tenure period upto 48 months. They are providing the good service and the staffs who are calling very gentle and polite because of all this reason, i have taken a Kotak Mahindra bank card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 20, 2019
    • Kotak Credit Card
      "All benefit comes in one card"
      0.5 5.0/5 "Blown Away!"
      Due to based on the Kotak Mahindra bank offer i have bought the Kotak Royale Signature. I just want a shopping kind of card and this card has those facility. They have offered me a credit limit of around Rs. 1 lakh and annual fee is like Rs. 750 which i'm not that much aware of the fee structure. I have received a card on time.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 15, 2019
    • Kotak Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      Just because of the offer, i have taken the card from Kotak Mahindra bank. I'm not sure about the benefits provided by the card. They have given me a credit limit of Rs. 2 lakhs and I'm satisfied with it. It took 20 days to deliver the card. The documentation process was smooth.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 15, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 2.0/5 "Expected more"
      I have Kotak Mahindra Bank credit cad which was taken directly through Bank .This was a chargeable card and i have got a clear picture about the card process through the agent ,I have got the credit card on time and there was no difficulties faced so far on using this credit card .
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 13, 2019
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      The interest rate was very higher in Kotak Mahindra Bank when compared to other banks. I have taken a KOTAK ROYALE SIGNATURE CREDIT CARD because of good features and also it was referred by one of my friend. The annual charge is 1500 rupees and the credit limit is average. I have used the card and it has lounge services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2019
    • Kotak Credit Card
      "Not recommendable card"
      0.5 3.0/5 "Satisfactory"
      To get the offers in online, i have purchased the Kotak mahindra bank. The given credit limit was very less which does not match for my credit card. I do have other credit card which have much more limit. I was looking for some offer from this card which suits me well but i don't get anything. I haven't received any joining benefits.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 22, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Just 2 months back, i have back i have received a card. Just i am interested in taking the credit card hence i have chosen them. I'm very much disappointed with the less credit limit given to me even though my credit score is good, they have provided me a limit of Rs. 70000 only. Till now i didn't not use the card properly. I haven't got any welcome gift and joining fee. I selected the zero annual fee card hence i got this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 19, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Whatever the bill amount they have given I'm making the payments before due date on time. The reason choosing the kotak royal card, the branch is located nearby my residence. Through online, i making the due amount. So far the rewards points are getting accumulated and i'm using the card for purchase on shops. I have not called the customer care service so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 11, 2019
    • Kotak Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      There is no reason for choosing this card. I get a basic offer and there is nothing special in this card. I am not sure about the rewards system and i have got the card on time with out any joining benefits. The given credit limit was very less compared to my other credit cards. I never spoke with the customer care service so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 04, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      There is no specific reason for selecting this card. In IRCTC website, i get a 1.8% off on train ticket booking. The card is not that much helpful. I have received the card on time and there is no joining perks. I have received the first month bill and its very much clear to understand. Iâ??m satisfied with the credit limit as well. Iâ??m not utilizing the rewards points benefits. Its a free card without any annual fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 27, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was applied through Online .The credit limit is good and sifficient as well.There are good reward points and cash back offers as well .I have not faced any isuses so far on using this card .I am satisfied with the service .This card is very good to use .
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Best service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which was applied directly with Bank.I have not faced any issues so far on using this credit card ,I have got this credit card on time ,The agent gave all the information about the process ,The credit limit is average ,it is very less ,There are cashback offers and reward points are there but it is very average.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which i have applied through online .This card is very good to use according to me no difficulties faced so far .I am satisified with the credit card .The credit limit was less ,receiovd credit card on time ,agne gave all the informatiuon about process,cash back offers and reward points .
      Was this review helpful? 0
      , vadodara
      Reviewed on May 24, 2019
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