Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card falls under the category of basic credit cards designed specially to meet the lifestyle requirements of high-net-worth individuals. Here are some features and benefits of this credit card discussed in detail:
Key highlights of Kotak Royale Signature Credit Card
Features and benefits of Kotak Royale Signature Credit Card
Eligibility criteria to apply for Kotak Royale Signature Credit Card
Documents Required to apply for a Kotak Royale Signature Credit Card
Both Self-employed and Salaried
Salaried- Income proof
Self-employed- Income Proof
Kotak Royale Signature Credit Card fee and charges
Joining Fee Paid variant | Rs 1499 |
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 |
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 |
At present, we are not having Kotak Bank Credit Cards, but we have 50+ credit cards of the top banks like HDFC, YES, CITI, Indusind, SBI, and RBL that are offering best-in-class rewards, cashbacks, and discounts on spending in all the categories.
Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.
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FAQ’s
Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.
The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.
Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.
Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.