Kotak Mahindra NRI Royale Signature Credit Card Review

The Kotak Mahindra NRI Royale Signature credit card is a uniquely crafted credit card for Non-Indian Residents who travel India frequently and like to live with luxury. Currency conversion can be a real issue when you travel outside your home country, and this card is crafted to solve this problem. Apart from reward points, this nri credit card lets you enjoy free access to airport lounges, a big discount on fuel and railway surcharges, and lots of other kotak credit card features. More details of the card are discussed below.

NRI Royale Signature Kotak Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 75 yrs. 
    • Income: You can get this kotak credit card against fd account. 
  • For self-employed person:
    • Age: 18 to 75 yrs. 
    • Income: You can get this kotak bank credit card against fd account.
  • Minimum fixed deposit amount Rs. 1 lakh (you will get up to 80% of your deposit amount as credit limit). 
  • NRE/NRO accounts are eligible for this card. 
  • The nri customers should have a residential address in India.

 You can apply for this card from the Kotak credit card online application portal, once your application is submitted successfully, you can track the status of your application from the kotak bank credit card tracking page.

Documents Required To Apply For Kotak Royale Signature Credit Card:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (income 
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

Nowadays, all new credit cards are delivered in an inactive state, the users can activate them by generating a new credit card PIN. You can find more about the kotak mahindra bank credit card pin generation process from the 100xGain FAQ page.

Kotak Royale Credit Card Fees:

  • Kotak royale credit card joining fee: None
  • Kotak royale credit card annual fee: Rs. 1,000 + GST

Kotak Royale Signature Credit Card Benefits:

  • Get rewarded for every transaction you make:

Category of transaction

Reward points for every Rs. 200 transaction

International transaction

2X Kotak credit card reward points

Transactions made within India

1 Kotak credit card reward point

You can redeem your kotak credit reward points against movie tickets, flight booking, mobile recharge, and get a product from the kotak royale signature credit card reward points redemption catalog. The kotak credit card 1 reward points value in rupees is equal to Rs. 1. 

  • Get free airport lounge access:

Using this kotak mahindra nri card, you can get free access to most of the Indian airport lounges. You will get a maximum of 2 free accesses per quarter. You will also enjoy some refreshments like newspapers, free WIFI, meals, etc. Click here for the complete kotak credit card lounge access list.

  • Get freedom from fuel surcharges:

If you use this NRI royale signature credit card to purchase fuel, you can make up to Rs. 3,500 annual savings on fuel surcharges. You can claim this offer at any fuel station in India and the transaction amount should be between Rs. 500 to Rs. 3,000. 

  • Complementary lost card liability coverage:

This kotak signature credit card comes with a lost card liability coverage of Rs. 2,50,000. So, if your card ever gets lost or stolen, then you just have to report it by calling the kotak mahindra royale credit card customer service number, and you will not be liable for anything bad that may happen to your kotak nri credit card account.

  • Get a big discount on railway surcharges:

This kotak credit card offers up to Rs. 500 annual waiver on fuel surcharges. This offer is applicable to the tickets booked via the IRCTC ticket booking site.

  • Pay your credit card bills conveniently with multiple online kotak mahindra credit card payment options:

Kotak Mahindra offers a number of convenient kotak card payment options for its customers. You can pay your monthly credit card bill from your kotak credit card net banking account or from any credit card payment app like Cred, Google pay, Paytm, Phone pe, etc.

  • Get always updated with the real-time alert facility:

With the Kotak Mahindra real-time alert facility, you will be notified via SMS for every transaction made using your card. Also, if you notice something suspicious, you can instantly block your kotak nri account from your net banking account.

Kotak Mahindra NRI Royale Signature Credit Card Charges List:


Payable amount

Kotak royale signature credit card charges on cash Withdrawal

Rs. 300 for each Rs. 10,000 withdrawal (applicable once per withdrawal, also make sure to check your available Kotak credit card balance before making a withdrawal)

Finance Charge

3.10% monthly

Foreign currency transaction

3.5% against the transacted amount (applicable once per transaction)

Kotak royale signature card add-on card fee

Rs 599 for each card

 Kotak Royale Signature Credit Card Customer Care Contact Details:

  • Call the kotak mahindra bank credit card customer care number: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak credit card customer care email id: customerfirst@kotak.com 

100xGain Ratings:


Pros and Cons of Kotak Mahindra NRI Royale Signature Credit Card:



  • You can get this Kotak Mahindra credit card against FD which is very helpful for NRI customers.
  • You will get free access to airport lounges.
  • The rate of earning Kotak reward points is way too low.
  • This card does not offer anything in the dining and shopping categories.

Final Opinion:

If you are a non-resident Indian and looking for a card that can solve your currency-conversion issue, then this kotak royale signature card will be a great option for you. It offers reward points on every transaction, free access to airport lounges, discount on fuel and railway surcharges, etc.

But if you want benefits like cash-backs or discounts on shopping and dining, then you will be disappointed with this Kotak signature credit card. So if you want to compare some alternative card options, then take a look at the alternative card options given below.

Alternative Cards: 

  1. BOB Premier Credit Card (Best for lounge access and fuel surcharge waivers)
  2. Indusind Bank Duo card (Best for lounge access and fuel surcharge waivers)
  3. SBI bpcl credit card (Best for reward points and fuel benefits)

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