Kotak Mahindra NRI Royale Signature Credit Card

Kotak Mahindra NRI Royale Signature Credit Card is a premium credit card specially designed for overseas Indian Citizens. It also comes with a number of benefits and offers like – easy reward, fuel and railway surcharge waiver, lounge access and a coverage against lost cards. Also this card is issued against your FD account, infact this card can give you the premium feelings with all its offers and benefits.

  • Eligibility criteria –
  • Nationality – Indian ( NRI applicant must have a residential address in India. )
  • Age – 18 to 75
  • Applicant with NRE or NRO account are eligible for this card.
  • Term deposit eligibility –
  • Min amount – ₹ 1 lakh.
  • Documents Required –
  • Proof of Identity –
  • Aadhar Id.
  • Driving License
  • Voter Id.
  • Job Card.
  • Person of Indian origin card.
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Gas, Electricity or any utility bill. ( recent )
  • Document of property registration.
  • Ration card.
  • Proof of Income –
  • Recently submitted form 16.
  • 3 month’s bank statement. (latest)
  • KYC-PAN.
  • Salary slip (of recent 3 months)
  • Fees –  
  • Joining fee –  None
  • Annual fee – ₹ 1,000.
  • Add on fee – ₹ 599 per add on.
  • Over limit fee – ₹ 500.
  • Benefits –   
  • Free joining – you don’t need to pay any joining fee for this card as this card comes with zero joining fee.
  • Reward point – you can win 2X reward point on every ₹ 200 spend outside of India. Also you can win 1 reward points on every ₹ 200 spend in India. Reward point’s value, 1 reward point – ₹ 1.
  • Reward redemption – you can redeem your reward points very easily. You can use them for booking movie tickets, flight booking, mobile recharge and lots more.
  • Freedom to pay – with this card you can enjoy a freedom of payment while traveling India. You can enjoy big benefits on travel, dining, hotel booking and on your purchases. You can also avoid the hassle of currency exchange.
  • Fuel Surcharge Waiver – with this card you can enjoy a bog waved off on fuel surcharges, you can get up to ₹ 3500 annually. Transaction amount should be between ₹ 500 to ₹ 3000.
  • Railway Surcharge Waiver – you also enjoy a waved off amount on railway surcharges on transactions made on www.irctc.com and also transactions done on Indian railway counters. The maximum waved off amount is ₹ 500 (annually).
  • NRI Shield – now you don’t need to worry about your lost card with Kotak Mahindra, also you are covered against any frauds. in case of such situations you are covered with ₹2,50,000. Reporting must be done within 7 days.
  • Ad on card – you can gift your loved one a credit card just by adding them with your card. The cardholder will enjoy all the benefits offered with the card. Charge – ₹ 599 per card holder (one time).
  • Lounge access – with this card you can enjoy free access to Indian airport lounges(2 access per quarter). You can also enjoy newspapers, comfortable sittings , newspaper, free Wifi, Meals and lots more.
  • Credit limit – now you don’t need to worry about your credit limit as you will get a higher credit limit with this card. You will get a credit limit up to 80% against your FD amount.
  •  Real time alerts –  with this card you will be updated all time, Kotak Mahindra sends you update regarding to your account from time to time.

** For more information visit www.kotak.com

  • Charges –
  • Cash withdrawal.  – ₹ 300 (at ATMs ) & ₹ 100 (at bank)
  • Card replacement – ₹ 100.
  • Late payment – (in rupees)
  • Up to 500 – 100
  • 500 to 10,000 – 500.
  • Over 10,000 – 700.
  • Overlimit charge – ₹ 500.
  • Foreign currency transaction – 3.5% against the transaction amount.       
  • Customer care number –
  • Call –  1860 – 266 – 2666 (local charges apply)

            +91 22 6600 6022 (overseas charges apply)

If you are an overseas Indian Citizen and you want a premium credit card then this card is perfect for you. This card also comes with a number of other offers like lounge access, coverage against lost cards, reward point offers, and lots more. Also, you will find this card helpful while traveling to India. So if you have the eligibility then you must go for it as it has some awesome offers for you. 

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