What is the Kotak NRI Royale Signature Credit Card?

The Kotak NRI Royale Signature Credit Card is a specialized credit card designed for Non-Resident Indians, offering tailored benefits for international and domestic spending.

What are the annual fees for the Kotak NRI Royale Signature Credit Card?

The Kotak NRI Royale Signature Credit Card has an annual fee of Rs. 1,000/-. There is no explicit joining fee mentioned.

How do I earn reward points with the Kotak NRI Royale Signature Credit Card?

You earn 2 reward points for every Rs. 200 spent outside India and 1 reward point for every Rs. 200 spent within India using your Kotak NRI Royale Signature Credit Card.

How can I redeem reward points earned on my Kotak NRI Royale Signature Credit Card?

Reward points from your Kotak NRI Royale Signature Credit Card can be redeemed for movie tickets, air tickets, cash, and other options. Each reward point is equivalent to Re 1/-.

Does the Kotak NRI Royale Signature Credit Card offer airport lounge access?

Yes, the Kotak NRI Royale Signature Credit Card provides 2 complimentary visits per quarter to select domestic airport lounges in India. International lounge access is not included.

What are the benefits of paying in INR with the Kotak NRI Royale Signature Credit Card?

When traveling to India, you can use your Kotak NRI Royale Signature Credit Card to pay in Indian Rupees, saving on mark-up fees usually charged by foreign-issued credit cards.

Are there any fuel or railway surcharge waivers on the Kotak NRI Royale Signature Credit Card?

Yes, the Kotak NRI Royale Signature Credit Card offers a fuel surcharge waiver up to Rs. 3,500 annually and a railway surcharge waiver up to Rs. 500 annually.

Can I get add-on cards for family members with my Kotak NRI Royale Signature Credit Card?

Absolutely. You can get add-on cards for your spouse, parents, or children (above 18 years), regardless of their location or citizenship status, for a one-time fee of Rs. 599/- per card.

What security features does the Kotak NRI Royale Signature Credit Card include?

The Kotak NRI Royale Signature Credit Card comes with an "NRI Royale Shield" as a key security feature to protect your transactions.

Is the Kotak NRI Royale Signature Credit Card suitable for international spending?

Yes, the Kotak NRI Royale Signature Credit Card is highly suited for international spending, offering accelerated reward points on transactions made outside India and benefits like paying in INR when visiting India.

Kotak Mahindra Bank

Kotak NRI Royale Signature Credit Card

International SpendsTravel

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 2 points per Rs. 200 on international spends; 1 point per Rs. 200 on domestic spends.

Reward Type

Reward Points

Reward Redemption

Redeem points for movie tickets, air tickets, cash, and more. 1 Reward Point = Re 1/-.

Domestic Lounge Access

2 complimentary visits every quarter to select domestic lounges in India.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Access to domestic airport lounges, plus freedom to pay in INR in India to avoid mark-up fees.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

Clear, concise answers to help you understand this card better.

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