Kotak Mahindra Royale Signature Credit Card

The Kotak Mahindra Royale Signature Credit Card is specially designed to give you more privileges, discounts and reward point offer an travel shopping related transactions. This card also comes with a number of special offers like lounge access, contactless payment insurance on card loss fuel surcharge waiver and many more. In fact it is also available in two variant one is with joining fee and one is without joining fee. So you can choose one according to your budget.

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – must be between 21 to 65 years.
  • Income – ₹ 24 lakh annually.  
  • Occupation – both salaried and self employed can apply.
  • The card is available in only these cities – Delhi NCR, Hydrabad, Kolkata, Pune, Chandigaarh and Mumbai.
  • A good relation with bank.
  • Documents Required –
  • Proof of Identity –
  • Aadhar Id.
  • Letter from UIDAI.
  • Job Card.
  • Overseas citizen of India card.
  • Driving License
  • Voter Id.
  • Proof of Address –
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Passport.
  • Document of property registration.
  • Proof of Income –
  • Recently submitted form 16.
  • Salary slip. (for salaried people).
  • 3 month’s bank statement. (latest)

** these are some of the basic documents to submit the bank can ask you for some other’s too **

  • Fees –  
  • Joining fee – ₹ 1499 and ‘none’ for without joining fee variant
  • Annual fee – ₹ 999.
  • Add on fee – None.
  • Over limit fee – ₹ 500.
  • Benefits –
  • Earning reward points – with this card you can earn easy reward points through your spends. On package tour, airline, hotels, restaurants and international spends you will receive 4X reward points on each ₹ 150 transactions. Also you can win 2X reward points on other categories on each ₹150 transaction.
  • Lounge access – with this card you can now enjoy access to partner visa lounges, you will get 2 visits per quarter with this card.
  • Milestone benefits – you can enjoy more benefits by spending more with your Kotak Mahindra Royale signature Credit card. If you spend ₹ 4 lakh in a year you will get 10,000 reward points. And you will get 30,000 reward points if you spend ₹ 8 lakh in a year.
  • Fuel surcharge Waiver – on fuel transactions between ₹ 500 to ₹ 3,000. You will get a maximum waved off amount of ₹ 3,500.
  • Card loss liability – with this card now you have zero liability against lost cards. Kotak Mahindra covers you with up to ₹ 2.5 lakhs against frauds and lost or stolen cards.
  • KASSIST service – with this card you can enjoy high priority on emergency services.
  • Hotel booking – you can now enjoy 4X reward point on hotel  booking.
  • Railway surcharge waiver – if you book your train ticket through www.irctc.com  then you can have up to ₹ 500 waved off in a year. 
  • Annual fee waiver – if you spend ₹ 1 lakh or more in a year then the annual fee of the next year will be waved off.
  • Reward redemption – now redeeming reward point is easy. You can now make payment using your reward points. Also you can use your reward points to book flight, hotel, movie, mobile recharge etc.
  • Charges –
  • Cash withdrawal charge – ₹ 300.
  • Card replacement – ₹ 100.
  • Late payment – (in rupees)
  •  up to 500 – 100.
  •  500 to 10,000 – 500
  • More than 10,000 – 700.
  • Overlimit charge – ₹ 500.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Other benefits –
  • World-wide acceptance – this card is accepted worldwide. You can transact from almost anywhere.
  • Add on – now you can ley your loved ones to enjoy the features of your card. With feature you can add your family member (age – 18 or more) with your card.
  • Auto payment –now you don’t need to worry about your utility bill payments. With this feature your utility bills will be paid automatically within due date. You can also choose how much amount of the bill you want to pay.
  • Contactless payment – now you don’t need to worry about card misplacement or frauds since you don’t need to hand over your card. With this feature you can pay at any secure reader machine with just one wave.
  • Spend tracker – with this feature you can now track the spends of your every individual add on members.  
  • Customer care number –
  • Call –  1800-209-0000


If you especially want to earn reward points and to avail yourself of luxurious privileges for cheap this card is perfect for you. It offers railway and fuel surcharge waiver, milestone benefits, lounge access, and also a ₹ 2.5 lakh of coverage against the lost cards. So if you have the eligibility then you must go for it, as it gives the best possible offer to its customers.    

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