You’re at the checkout counter of a luxury hotel after a refreshing vacation. The bill? ₹50,000. You swipe your Kotak Royale Signature Credit Card without hesitation. Instantly, you earn 4 reward points for every ₹150 spent—1,333 points in one go! Plus, you’re inching closer to bonus milestone rewards for the year.

Add to that complimentary lounge access during your travels, making every trip effortless. Whether you love fine dining, travel, or premium perks, this card rewards you for every spend. Experience luxury, rewards, and convenience—all in one card.

Key Highlights of Credit Card

Joining Fee: Nil for the free variant and Privy League customers; ₹1,499 for the paid variant (discontinued after May 30, 2019).
Annual Fee: ₹999 (waived off on annual retail spends of ₹1 lakh for the first and second year).
Reward Points: Earn up to 4 reward points per₹150 spent on select categories like hotels, airlines, and international spending. Other categories earn 2 reward points per ₹150.
Milestone Rewards: Earn 10,000 bonus points on annual spends of ₹4 lakh and 30,000 points on spends of ₹8 lakh.
Lounge Access: Complimentary access to Dream Folks lounges in India (2 visits per quarter).
Fuel & Railway Surcharge Waiver: Fuel surcharge waived on transactions between ₹500 to ₹3,000 (max waiver of ₹3,500 annually). Railway surcharge waiver capped at ₹500 annually.
Visa PayWave: Contactless payments up to₹5,000 without entering a PIN.

Read More - Kotak Zen Signature Credit Card

Benefits of Credit Card

Lounge Access: Enjoy 8 complimentary visits to select Dream Folks lounges in India annually.

For example, you are on a family trip to Goa. Your flight gets delayed. Instead of waiting in a crowded terminal with restless kids, you access a lounge using your Royale Signature Card. The kids watch cartoons on widescreen TVs while you sip coffee and relax.

2. Reward Program: Up to 4 reward points per ₹150 spent on hotels, airlines, and international transactions.

For example: Suppose you book a family vacation worth ₹1.5 lakh. Since travel falls under the special category, you earn 4 reward points per ₹150 spent. That’s 4,000 reward points just from one transaction.

3. Milestone Benefits: 10,000 reward points on ₹4 lakh annual spend; 30,000 reward points on ₹8 lakh yearly spend.

For Example: Let’s say you spend ₹70,000 every month on groceries, dining, fuel, and travel. By the end of the year, your total spend is ₹8.4 lakh. You will earn 30,000 bonus reward points, which can be redeemed for flights, shopping vouchers, or cashback.

4. Fuel Savings: 1% fuel surcharge waiver on transactions between ₹500 and 3,000 (maximum waiver ₹3,500 annually).

For example: Imagine spending ₹8,000 on fuel every month. The 1% surcharge waiver saves you ₹960 annually, a small but valuable saving for everyday expenses.

5. Railway Surcharge Waiver: Up to ₹500 waiver per year on IRCTC and Indian Railway counter bookings.

For example, you’re buying groceries worth ₹4,500. Instead of entering a PIN, you simply wave your card over the machine. Payment is done in seconds—safe and hassle-free.

6. Priority Customer Service: SMS “KASSIST” to 5676788 for a call back within 2 hours.

Credit Card Cashback & Rewards on Kotak Royale Signature credit card

Spend Category	Reward Points per ₹150
Hotels, Airlines, Travel Agencies, Tour Operators, International Spends	4 Points
All Other Categories	2 Points

Milestone Program:

Annual Spend	Bonus Reward Points
₹4 Lakh	10,000 Points
₹8 Lakh	30,000 Points

Redemption Options:

Air Tickets
Mobile Recharges
Merchandise (10,000+ products)
Movie Tickets
Gift Voucher

Credit Card Fees and Other Charges

Fee Type	Royale (Free Variant)	Royale (With Joining Fee)	Royale (Privy League Customers)
Joining Fee	Nil	₹1,499	Nil
Annual Fee	₹999 (Waived on ₹1 lakh spend)	₹999 (Waived on ₹1 lakh spend)	Nil
Add-on Card Fee	Nil	Nil	Nil
Interest Rate	3.5% per month (42% annually)	3.5% per month (42% annually)	3.5% per month (42% annually)
Cash Withdrawal Fee	2.5% (Min₹500)	2.5% (Min ₹500)	2.5% (Min ₹500)
Foreign Currency Mark-up	3.5% + GST	3.5% + GST	3.5% + GST

Late Payment Fee Applicable:

Outstanding Balance	Late Payment Charge
Up to ₹100	Nil
₹100 - ₹500	₹100
₹501 - ₹5,000	₹500
₹5,001 - ₹10,000	₹600
₹10,001 -₹25,000	₹800
₹25,001 - ₹50,000	₹1,000
Above ₹50,000	₹1,200

Credit Card Pros & Cons

Pros:

High reward rate on travel, dining, and international expenses.
Milestone benefits with up to 30,000 bonus points.
Lounge access for comfortable travel.
Fuel surcharge and railway surcharge waivers.
Contactless payments with Visa PayWave

Cons:

High-income eligibility requirement (₹24 lakh per annum).
Annual fee of ₹999 unless waived.
Foreign currency markup of 3.5%.

Eligibility Criteria Credit Card

Age: 21 to 65 years (primary 18+ add-on).
Income: ₹24 lakh per annum.
Resident of India.
Location: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune.

Required Documents to Apply for Credit Card

Identity Proof: PAN Card, Aadhaar Card, Passport.
Address Proof: Aadhaar Card, Utility Bills, Passport.
Income Proof: Salary Slips, Income Tax Returns, Form 16.

How to Apply for the Kotak Royale Signature Credit Card— A Step-by-Step Guide

Also Read – Kotak PVR Credit Card

Applying for the Kotak Royale Signature Credit Card is simple. Follow these steps for a smooth application.

Step 1: Visit the Kotak Mahindra Bank Website
Go to www.kotak.com using a stable internet connection on your smartphone, laptop, or desktop.

Step 2: Navigate to the ‘Cards’ Section
Locate the ‘Cards’ tab on the homepage and select ‘Credit Cards.’ If needed, use the search bar and type "Royale Signature Credit Card" to find it quickly.

Step 3: Select the ‘Royale Signature CreditCard.'
Browse the available credit cards and click on the Royale Signature Credit Card to view its features, benefits, and fees.

Step 4: Click on ‘Apply Now.’
Click 'Apply Now' on the card’s page to open the online application form.

Step 5: Fill in Your Details
Provide your personal and professional details, including:

Full Name (as per PAN card)
Date of Birth
Mobile Number & Email ID
Residential Address
Company Name & Address
Annual Income
PAN Card Number

Step 6: Upload Supporting Documents
Upload clear copies of:

Identity Proof (Aadhaar Card, Passport, Voter ID)
Address Proof (Aadhaar Card, Utility Bill, Rental Agreement)
Income Proof (Salary Slips, Form 16, IT Returns)

Step 7: Submit the Application
Review your details for accuracy and click ‘Submit.’ You will receive confirmation via SMS and email.

Step 8: Track Your Application Status
Visit the ‘Track Application Status’ page on the Kotak Mahindra Bank website and enter your application reference number or mobile number to check updates.

Following these steps, you can easily apply for the Kotak Royale Signature Credit Card and enjoy its exclusive benefits.

Additional Tips for a Smooth Application Process:

Ensure You Meet the Eligibility Criteria: Kotak Royale Signature Credit Card requires an annual income of ₹24 lakhs or more. If you fall short, your application might be rejected.
Provide Accurate Details: Even small mistakes like a wrong digit in your PAN number can delay the process.
Check Your Credit Score: Though not explicitly mentioned, having a good credit score (above 750) increases your chances of approval.
Keep Your Phone Handy: Bank representatives may call you for verification. Answer promptly to speed up processing.

Common Concerns Addressed:

Concern	Solution
What if I don’t have salary slips?	You can submit IT returns or Form 16 as proof of income.
Can I apply offline?	Yes, visit your nearest Kotak Mahindra Bank branch with documents.
What if my application is rejected?	Check eligibility, correct errors, and reapply after improving credit score.
How long does approval take?	Generally 7-10 working days, but may vary based on verification.

How This Card Fits Into Daily Life?

Let’s start with some everyday scenarios where this card can shine:

A) Ramesh, the Business Traveler

Ramesh travels every month for work. Airports are practically his second home. He enjoys complimentary lounge access at airports with the Kotak Royale Signature Card. Imagine a 3-hour flight delay; instead of sitting on those hard chairs near the boarding gate, he relaxes in a lounge, sipping coffee, using Wi-Fi, and catching up on emails. That’s a big win!

B) Priya, the Family Vacation Planner

Priya loves planning vacations for her family. Flights, hotels, sightseeing—the works! With every ₹150 she spends on travel and dining, she earns 4 reward points. By the time their Goa trip ends, she’s earned enough points to cover her next movie night with the family!

C) Sameer, the Online Shopper

Sameer is an online shopping pro. From clothes to groceries, everything comes from his favourite apps. Each time he spends, he gets 2 reward points per ₹150. Over six months, he racks up enough points to redeem a gift voucher for his wife’s birthday present.

This is how the card blends into everyday life—making planned and unplanned expenses more rewarding.

How Does This Card Compare to Others?

There are tons of premium cards out there. Let’s see how the Kotak Royale Signature stands against some popular ones:

Feature	Kotak Royale Signature	HDFC Regalia	SBI Elite	ICICI Coral
Reward Rate	2-4 points per ₹150	4 points per ₹150	2-5 points per ₹100	2 points per ₹100
Lounge Access	Domestic Lounges (Complimentary)	Domestic + International	Domestic + International	Domestic only
Milestone Benefits	30,000 points on ₹8L spend	Vouchers on spends	Movie vouchers	Limited
Annual Fee Waiver	Spend₹1 lakh	Spend ₹3 lakh	Spend ₹10 lakh	Spend ₹2 lakh
Contactless Payment	Yes	Yes	Yes	Yes

If you want a card that gives rewards without high spending requirements, Kotak Royale Signature hits the sweet spot.

3. Maximizing Reward Points (With Spending Examples)

It’s great to earn points, but the real magic is knowing how to maximize them:

Monthly Spending Example:

Expense Category	Monthly Spend	Reward Points Earned
Travel & Dining	₹30,000	800 Points (4 per ₹150)
Groceries & Shopping	₹20,000	267 Points (2 per ₹150)
Fuel	₹5,000	No points, but surcharge waived

Annual Total: Approx. ₹7 lakh spend = 24,000+ points. Redeem these for flight tickets, gift vouchers, or mobile recharge.

Pro Tip: Always check the rewards catalogue on Kotak’s website to see what gives you the best value.

Hidden Benefits You Might Not Know

Sometimes, the best features are the ones you discover later. Here are some hidden gems:

Priority Customer Service: Special helpline for faster issue resolution. No more waiting in long call queues.
Cheque Pickup Service: Need to pay your bill but can’t step out? Just request a pickup.
Visa payWave (Contactless Payment): Tap your card at checkout for transactions under ₹5,000. Quicker and safer.

Mistakes to Avoid

Spending ₹95,000 Instead of ₹1 Lakh: You miss the annual fee waiver.
Not Reaching ₹8 Lakh: Miss out on 30,000 bonus reward points.
Late Payment: Even a delay of 1 day can lead to charges starting at ₹500.

Example: Suppose you miss a ₹12,000 payment by 3 days; you may end up paying ₹1,000 as a late fee.

Using the Kotak Mobile App

The app helps you track spending, check reward points, and set payment reminders. It’s like having a mini financial assistant in your pocket.

Best Spending Categories

Category	Why It Works Best
Travel & Dining	4 points per ₹150
Fuel	Surcharge waiver
Groceries/Online	Everyday spending

Example: A family dinner worth ₹6,000 earns 160 reward points.

Avoiding Interest Charges

Always pay the total bill on time. Carrying a balance means interest up to 42% annually.

Example: Carrying a ₹20,000 balance for 3 months can cost ₹2,100 in interest!

Who Should Get This Card?

If you:

Spend over ₹8 lakh annually
Travel frequently
Value rewards and perks

This card is a good choice.

Conclusion

The Kotak Royale Signature Credit Card is ideal for affluent earners who value travel, dining, and luxury lifestyle experiences. With a strong reward program, lounge privilege, surcharge waivers, and milestone benefits, the card is an excellent option for travel enthusiasts and lifestyle enthusiasts.

FAQs

What is the annual fee for the Kotak Royale Signature Credit Card?

The annual Fee is ₹999 (waived on annual spends of ₹1 lakh).

What is the reward rate?

4 points per ₹150 on travel, hotels, and airlines; 2 points on other spends.

Is there a lounge access benefit?

Yes, 2 complimentary visits per quarter to Dream Folks lounges in India.

What is the fuel surcharge waiver limit?

Maximum waiver of ₹3,500 per year for transactions between ₹500 to ₹3,000.

What is the foreign currency markup?

The foreign currency markup is 3.5% + GST.

Can I apply online for this card?

Yes, through Kotak Mahindra Bank’s website.