Is there a joining fee?

Yes, ₹1,499 plus taxes, waived on qualified spends.

How can I get the annual fee waived?

Spend ₹1 lakh in the previous year for waiver.

How are reward points redeemed?

Redeem online for flights, shopping, or cashback.

What documents are required for the application?

PAN, Aadhaar, address proof, and NRE/NRO account details.

Does the card offer complimentary lounge access?

Yes, 8 domestic and 2 international lounge visits per year.

Does the card support mobile wallets?

Yes, supports Google Pay, PhonePe, Paytm, Amazon Pay.

Credit Cards/Kotak Mahindra Bank/NRI Royale Signature Credit Card

NRI Royale Signature Credit Card

Kotak Mahindra Bank

4.7

Expert Rating

e-commerce travel fashionfuel grocery restaurants

Annual Fee

₹999

Joining Fee

₹1,499

Forex Fee

3.5%

Lounge Access

10 visits/yr

The NRI Royale Signature Credit Card is specially designed for Non-Resident Indians seeking exclusive lifestyle benefits and global acceptance. Enjoy complimentary airport lounge access, milestone rewards, and double reward points on international spends. Benefit from a wide range of security features and a seamless online banking experience with Kotak Mahindra Bank.

Features of NRI Royale Signature Credit Card which makes it unique

Smart EMI

Convert spends to EMI instantly

Flexible repayments; hassle-free budgeting

Faster than industry average

Spend Analyzer

Track category-wise expenses

Optimized monthly budgeting

AI-driven spend insights

Rewards Structure of NRI Royale Signature Credit Card

International Spend

accelerated

Transactions made outside India

Reward Rate:2 points for every ₹200

Domestic Spend

base

Reward Rate:Transactions made in India

1 point for every ₹200

Dining

accelerated

Restaurants in India

Reward Rate:2X reward points

Milestones of NRI Royale Signature Credit Card

Annual Spend Bonus

₹4,00,000 : 10,000 reward points

Premium Milestone

₹8,00,000 : 30,000 reward points

Fees & Charges of NRI Royale Signature Credit Card

Fee & Amount	Fee Value
Joining Fee	₹1,499
Annual Fee	₹999
Forex Markup Fee	3.5%
Cash Advance Fee	3%
Late Payment Fee	₹700
Over Limit Fee	₹500
Returned Payment Fee	₹500
Cash Withdrawal Fee	₹300

Renewal Conditions:Waived on spending ₹1,00,000 in the previous year

Fee Explanation Standard Kotak Mahindra Bank rates apply for overdue and defaulted amounts.

Lounge Access Benefits with NRI Royale Signature Credit Card

domestic Lounges

silver

Visits per year: 8

Guest access: No

Valid for primary cardholder; up to 2 visits per quarter

international Lounges

silver

Visits per year: 2

Guest access: Yes

Cardholder can bring 1 guest per visit

Insurance Coverage with NRI Royale Signature Credit Card

Travel Insurance

₹10,00,000

Applicable for international trips

Purchase Protection

₹50,000

Valid for 90 days from purchase

Additional Features of NRI Royale Signature Credit Card

Contactless Payments

Tap and pay enabled

Available at Visa PayWave merchants

Add-on Cards

Up to 3 free add-on cards

No annual charge

Welcome Bonus with NRI Royale Signature Credit Card

Welcome Bonus: Not Explicitly Stated
Bonus Conditions: Applicable for new cardholders only

Application Process for NRI Royale Signature Credit Card

Processing Time

4-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via Kotak Mahindra website

Upload documents for KYC verification

Receive verification call from Kotak

Card dispatched to registered address

Required Documents for NRI Royale Signature Credit Card

ID Proof

all

Accepted documents:

PANAadhaar

Address Proof

all

Accepted documents:

PassportUtility Bill

Income Proof

salaried

Accepted documents:

PayslipForm 16