Royale Signature Credit Card
Kotak Mahindra Bank
Last updated: Feb 03, 2026
₹999
₹0
3.5%
8 visits/yr
Contents
Kotak Royale Signature Credit Card offers premium benefits including up to 4X reward points on dining, travel, and international spends. Enjoy complimentary domestic lounge access, milestone bonus points on high spends, and multiple surcharge waivers. Ideal for frequent spenders and travelers seeking value and convenience.
Features of Royale Signature Credit Card which makes it unique
Milestone Bonus
Earn up to 30,000 bonus reward points annually
Boost your rewards on high spends
Better returns than many competitors
Fuel and Railway Surcharge Waivers
Save up to ₹4,000 annually
Cost effective for regular commuters
More perks than similar tier cards
Rewards Structure of Royale Signature Credit Card
Dining
acceleratedRestaurants and cafes
Earn 4X points on dining
Travel
acceleratedHotels, airlines, and travel agencies
4X points on travel bookings
International Spends
acceleratedOverseas transactions
4X points on international spends
Base Reward
baseAll other spends
Standard 2X points on other spends
Milestones of Royale Signature Credit Card
Mid-Year Milestone
₹4,00,000 : 10,000 bonus points credited
Annual Milestone
₹8,00,000 : 30,000 bonus points credited
Fees & Charges of Royale Signature Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹500 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | ₹300 |
Renewal Conditions:Waived on ₹1,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts. Fuel surcharge waiver up to ₹3,500 annually.
Detailed Explanation of Royale Signature Credit Card Fees
Annual Fee: 999 (yearly)
Waived on ₹1L annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction
Foreign Exchange Markup: 3.5% (transaction)
Plus GST
Lounge Access Benefits with Royale Signature Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Primary cardholder only
Insurance Coverage with Royale Signature Credit Card
Travel Insurance
₹5,00,000Valid for international trips
Purchase Protection Insurance
₹25,000Within 90 days of purchase
Additional Features of Royale Signature Credit Card
Contactless Payments
Visa PayWave enabled, tap & pay up to ₹2000 without PIN
Add-on Cards
Up to 4 free add-on cards for family members
Welcome Bonus with Royale Signature Credit Card
Welcome Bonus: Up to 30,000 reward points
Bonus Conditions: Bonus points credited on annual spends of ₹4L and ₹8L
Application Process for Royale Signature Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Kotak Bank website or partner portals
Upload KYC documents
Verification call within 2-3 business days
Receive card within 7-10 business days
Required Documents for Royale Signature Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Royale Signature Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted globally with Visa network
Online Acceptance
Available for online transactions
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Royale Signature Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar card required. Indian resident.
How Approval Is Decided
- Minimum monthly income ₹30,000 for salaried
- Indian resident with valid ID
- Credit score above 700
Pros of Royale Signature Credit Card
- Generous milestone bonus points
- No joining fee and reasonable annual fee
- Wide acceptance including contactless payments
Cons of Royale Signature Credit Card
- Higher forex markup of 3.5%
- Limited international lounge access
- Relatively low late payment fee waiver threshold
Frequently Asked Questions about Royale Signature Credit Card
Is there a joining fee for the Kotak Royale Signature Credit Card?
No, there is no joining fee for this card.
What is the annual fee waiver condition?
Annual fee of ₹999 is waived on yearly retail spend of ₹1,00,000 or more.
How can I earn bonus reward points?
You earn 10,000 bonus points on spends of ₹4,00,000 and 30,000 points on ₹8,00,000 annually.
Is lounge access complimentary with this card?
Yes, you get up to 8 domestic lounge visits annually.
What is the foreign currency markup fee?
A forex markup fee of 3.5% plus GST applies on overseas transactions.
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