Apply Kotak Mahindra Royale Signature Credit Card – Benefits, Eligibility, Cashbacks, Rewards

Do you want to apply for Kotak Mahindra Royale Signature Credit Card?. Then you are on the right page. In the previous article, we have given complete details about Kotak Mahindra RuPay Debit Card. In this article, we have given you all the information for the Kotak Mahindra Royale Signature Credit Card details like its benefits, eligibility, required documents, annual fee & joining fee, etc., People who are interested to apply for the Royale Signature Credit Card has to check the offers  like welcome gifts, reward points, cashback offers, movie offers and shopping offers given by this card. Also, know how to apply for the Kotak Mahindra Royale Signature Credit Card.

About Kotak Mahindra Royale Signature Credit Card

Kotak Mahindra Royale Signature Credit Card is one of the best credit card suitable for your financial needs and luxuries, it also maximizes your saving transaction. The benefits for Kotak Mahindra Royale Signature Credit Card include airport lounge accessibility, reward points on every spent, milestone benefits, Fuel surcharge wavier and railway surcharge wavier, add – on – card benefits, etc.,

Card NameKotak Mahindra Royale Signature Credit Card
BankKotak Mahindra
Card TypeCredit Card
Credit Usage Limitup to 2 lakhs
Cash Usage Limit10,000 daily
Annual Charges1000
Reward PointsEarn edge rewards on every transaction.
International UsageYes
Official WebsiteClick here

Features and Benefits of Kotak Mahindra Royale Signature Credit Card

  • Travel comfort with Kotak credit card provides you with Airport Lounge Access.
  • Earn reward points for every transaction.
  • If your credit card is stolen by somebody, you get a cover of Rs. 2,50,000 against fraudulent usage up to seven days pre-reporting.
  • Fuel Surcharge Waiver with Kotak Mahindra Royale Signature Credit Card.
  • Save the railway surcharge waiver for every transaction on www.irctc.co.in and for transactions on Indian Railways Bookings.
  • Enjoy with Add-on Card benefits by setting your credit limit.

Fee & Charges

Kotak Mahindra Royale Signature Credit Card Charges and Fees as follows.

Fee & other ParametersRoyale (No Joining Fee)
Joining FeesRs. 1499
Annual FeesRs. 999
Add – on – Card FeesNil
Waiver of Annual Fees  Condition for First YearAnnual retail Spends of Rs one lakh
Waiver of Annual Fees – Second YearAnnual retail Spends of Rs one lakh
Interest Charges on outstanding Balances3.4% (Annualized 37.2%)
Over Limit ChargeRs. 500
Fuel Surcharge (1% on the transaction)Waived
Maximum Fuel surcharge waiver3,500/-
Railway Booking Surcharge (1.8%/2.5% on transaction amount)Waived
Maximum Railway surcharge waiver500/- in a calendar year.
Foreign Currency Mark Up3.5%
Cheque Bounce ChargesRs. 500
Fee for Cash payment at BankRs. 100
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereofRs. 300
Web Pay Service FeeWaived
Balance Enquiry Charges at Non-Parent Bank ATMWaived
Charge Slip RequestWaived
Furnishing a copy of Credit Information Report (CIBIL)Rs. 50
Machine Surcharge at ATMsWaived
Duplicate Statement RequestWaived
Kotak Mahindra Royale Signature Credit Card Eligibility
  • For Kotak Mahindra Royale Signature Credit Card you must be a primary cardholder and should be at the age of 21 – 65 years.
  • For add-on cardholder, the minimum age should be 18 years and above
  • Location – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune
  • Your Income must be above Rs. 24 lakhs per annum
  • The applicant must be a resident of India.
Welcome gifts
  • Get 2 complimentary visits to airport lounges in India in a calendar quarter.
  • Fuel surcharge waiver maximum allowed in a calendar year is Rs. 3500.
  • Get 30,000 bonus reward points on annual retail spends of Rs. 8 Lakhs.
  • After card activation immediately get two movie tickets on BookMyShow vouchers on your 1st swipe
Cashback & Reward points
  • Earn  4X Reward points on every 150/-  spent across all spends done on your Kotak Royale Signature Credit Card.
  • Earn 4X Reward points on special categories like Hotel bookings, Travel Agencies & Tour Operators, Package Tour Operators, Restaurants, Airlines and Air Carriers, International Spends.

How to Apply for Kotak Mahindra Royale Signature Credit Card – Application Process

To apply for the Kotak Mahindra Royale Signature Credit Card just follow the below instructions.

  1. First, you have to visit the Kotak Mahindra bank.com
  2. Next, you have to click on Kotak Mahindra Royale Signature Credit Card there you find the Apply Now button click on it.
  3. Then an application form is opened in that you have to fill the details like your name, mobile no, customer-id given by the Kotak Mahindra Bank.
  4. Next, you have to click on Proceed and submit the form.
  5. If you have any doubts regarding the card just contact your nearest branch for more details.

Card Reviews

Satish Agrawal – Pune

I have this card. It’s really good looking and the texture is very nice. Kotak always upgrades cards in 6 months, and I started with urbane and got Royale in 2 years. Another feature is for this card, it comes with a Visa signature and defaults domestic lounge access with it. Kotak app has a feature called credit card on/off. You can off the credit card, it is a dead card. So secure.

Anand – India

I am using this card for a year and I found it useful. Kotak Bank gives you a credit card on certain terms and conditions, specifically, I didn’t like one T and C which is you have to open one saving account in Kotak bank and maintain a minimum balance of 10,000Rs. All the credit cards are good if you know It’s terms and conditions well, you are good at managing finance and have the ability to make good decisions. Hold a credit card.

Contact Details

Customer care: 1860-266-2666 or, 1860-266-0811

Kotak Mahindra Royale Signature Credit Card is one of the best credit card loaded with reward points and cashback offers on shopping. Also, know about the Kotak Mahindra Royale Signature Credit Card details like its features, eligibility and required documents. Still, if you have any queries regarding this card comment below. Don’t forget to share this article with your friends.

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