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

  • On using the card for the first time, you will get 2 BookMyShow vouchers
  • The card is designed to meet the need of frequent travelers who are looking to enjoy
  • The first swipe of the card gives you 2 BookMyShow vouchers premium lifestyle privileges on their card.
  • There are two variants available in Royale Signature Credit Card
  • Earn up to 4 reward points on each spent of Rs 150 on special categories like travel, dining, air ticket, and international spending. On all other categories, 2X rewards are offered.

Features and benefits of Kotak Royale Signature Credit Card

  • You will get 2 complimentary airport lounge visits on each quarter to domestic airports.
  • Get up to 10,000 bonus reward points on the spending of Rs 4 lakh in the anniversary year. These bonus reward points will be offered at the end of the anniversary year.
  • Avail 1% fuel surcharge waiver on all the fuel transactions valued between Rs.500 and Rs.3,000.
  • 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.
  • You can apply for add-on cards that will have the same benefits as the primary card
  • The accrued reward options can be redeemed for redemption options like air tickets, air miles, cash, merchandise options, and mobile recharge with an auto redemption facility that makes every purchase more rewarding.

Eligibility criteria to apply for Kotak Royale Signature Credit Card

  • The minimum age to apply for a credit card is 21 years and the maximum is 65 years old.
  • The add-on cardholder must be above the age of 18 years.
  • Applicant should be a resident of Ahmedabad, Chandigarh, Delhi NCR, Mumbai & Navi Mumbai, Bangalore, Chennai, Hyderabad, Pune, and Kolkata.
  • The applicant should be earning an annual income of at least Rs.15 lakh.

Documents Required to apply for a Kotak Royale Signature Credit Card

Both Self-employed and Salaried

  • Filled Credit Card Application form
  • Passport-size photographs
  • Identity Proof- PAN Card, Aadhaar Card, Voter ID, Driving License, Passport, etc
  • Residence Proof- Utility bills, PAN Card, Aadhaar Card, etc

Salaried- Income proof

  • Latest salary slips
  • Form 16 of 3 Years
  • Latest 6 months bank statements

Self-employed- Income Proof

  • Income proof
  • Account Statements
  • Business proofs

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.

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

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.