Kotak Royale Signature Credit Card Review

The Kotak Mahindra royale signature credit card is a low-cost premium credit card, designed to offer premium privileges at an affordable rate. To add a premium touch to your lifestyle, this card offers some exclusive privileges like free airport lounge access, reward points on every transaction, fuel surcharge waive, milestone benefit scheme, etc. This card also has two variants; with joining fee and without joining fee. Now let’s see if there are any differences between the two variants.  

Kotak Royale Signature Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 24 lakh annually. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The average income of the applicant should be Rs. 24 lakh annually. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 770) is needed to apply for this kotak royale signature credit card.

If you can fulfill the above-stated kotak credit card eligibility criteria, then you can apply for this card very easily from the kotak mahindra bank credit card online application portal. But if you are confused with the application process, then you can take help from our FAQ page.

Required Documents To Apply For Kotak Royale Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new credit card rules, all new kotak credit cards are delivered in an inactive state, and to start using the cards you need to activate kotak credit card manually 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 Signature Card Fees:

  • Royale signature kotak mahindra credit card joining Fee: 1499 + GST there is a no-joining fee variant of this card available.  
  • Kotak Royale signature card annual fee: Rs. 999 + GST

Kotak Royale Signature Credit Card Benefits:

  • Reward point on every transaction:

You can earn reward points for almost every transaction made using this card. The details are given in the table below. 

Category of transaction Reward points
Each Rs. 150 transaction made using this card 4X rewards. 
For the same amount of transaction made on travel booking 4X rewards. 
All other categories 2X rewards. 

You can use your earned kotak mahindra reward points for travel/hotel booking, mobile recharge, etc. You can also use them to get a product from the kotak mahindra credit card reward points catalog. 

  • Free access to airport lounges:

This credit card of kotak mahindra bank gives you free access to domestic airport lounges. You will get some extra privileges like complimentary meals, free Wi-Fi, magazine, refreshments, etc. 

  • Fuel surcharge waiver:

This kotak mahindra credit card offers you up to Rs. 3500 waiver in a year on fuel surcharges. This offer is applicable at any fuel station in India and the transactions between Rs. 500 to Rs. 3000. You will not get any reward points for fuel purchases. 

  • Railway surcharge waiver:

If you use this royal signature kotak credit card for railway ticket booking, you can make up to Rs. 500 savings on railway surcharges. This kotak credit card offer is applicable on the tickets booked through IRCTC official site

  • Opportunity to make your card lifetime free:

On spending Rs. 100,000 within a year, you can get a complete waiver on your next year’s annual fee. So if you want to make your card lifetime free, you just have to keep spending Rs. 100,000 per year. You can check your credit card status using the kotak mahindra bank credit card app.

  • Extra benefits on milestone spending:

You can earn some extra benefits from your card, the royal signature kotak credit card milestone benefit scheme is given in the table below. 

Total spend Benefits
On spending Rs. 4,00,000 within an anniversary year 10000 kotak rewards points
On spending Rs. 8,00,000 within an anniversary year 30000 kotak rewards points.

You can check your kotak credit card balance and the due amount from the Kotak net banking account

  • Lifetime free add-on cards:

Kotak Mahindra Bank provides you with lifetime free add-on cards for your family members so that they can enjoy the benefits of having a credit card. You can apply for an add-on card from your nearby Kotak Mahindra branch

  • Complementary fraud liability coverage:

The kotak royale signature credit card comes with a complimentary Rs. 2,50,000 fraud liability coverage. To get the benefits of the coverage you have to report the fraudulent transaction by calling the kotak credit card helpline no

  • Convenient kotak mahindra credit card payment options:

There are several options to pay kotak credit card bill online. But if you don’t want to go online, then you also make your kotak credit card payment by cheque, NEFT, or by visiting your nearby ATM. You can find the kotak bank credit card ifsc code here

  • Contactless payment facility:

This kotak signature credit card is equipped with an advanced contactless payment facility. This feature allows you to make payments by tapping your card on any POS machine that accepts contactless payments. 

Due to security reasons, the contactless payment facility is limited to Rs. 5000 per transaction, you can also set your desired limit using the Kotak Mobile app, you can also download your online kotak credit card statement using the app.   

Kotak Royale Signature Credit Card Charges:

Particulars Payable amount
Kotak credit card cash withdrawal charges Rs. 300 per Rs. 10,000. Check your kotak credit card limit before making a withdrawal.
Kotak bank credit card finance charges 3.4% monthly or 37.2% annually.
Foreign currency conversion charge 3.5% against the transaction amount. 
Kotak card add on card fee None.

Kotak Royale Signature Credit Card Customer Service Contact Details:

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

100xGain Ratings:


Final Opinion:

If you are looking for a low-cost premium credit card then this card will be a solid choice for you. It packs some awesome benefits like free lounge access, reward points on every transaction, fuel surcharge waiver, fraud liability coverage, etc. which can easily justify the Rs. 999 annual fee. 

But if you are looking for a more premium credit card then I would suggest you take a look at the 100xGain top 10 premium credit card page.  

2 thoughts on “Kotak Royale Signature Credit Card Review”

  1. Reading your article helped me a lot and I agree with you. But I still have some doubts, can you clarify for me? I’ll keep an eye out for your answers.


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