Name: Kotak Royale Signature Credit Card
Brand: kotak
SKU: kotak-royale-signature-credit-card
Availability: InStock

Question 1

What are the joining and renewal fees for the Kotak Royale Signature Credit Card?

Accepted Answer

The Kotak Royale Signature Credit Card has a Nil joining fee. The renewal fee is ₹999 + GST, which can be waived by spending ₹1,00,000 in the preceding year.

Question 2

How does the Kotak Royale Signature Credit Card earn reward points?

Accepted Answer

Earn 2 Reward Points for every ₹150 spent on most categories, and 4 Reward Points per ₹150 on special categories like travel, dining, and international spends.

Question 3

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

Accepted Answer

Yes, the Kotak Royale Signature Credit Card provides 2 complimentary domestic airport lounge visits per quarter. A spend condition applies from June 2025.

Question 4

What are the milestone benefits available with the Kotak Royale Signature Credit Card?

Accepted Answer

Cardholders can earn 10,000 bonus Reward Points on annual spends of ₹4 lakhs, or 30,000 Reward Points on spends of ₹8 lakhs or more annually.

Question 5

What is the foreign currency markup on the Kotak Royale Signature Credit Card?

Accepted Answer

The Kotak Royale Signature Credit Card has a foreign currency markup of 3.5% on all international transactions.

Question 6

What insurance benefits does the Kotak Royale Signature Credit Card provide?

Accepted Answer

The Kotak Royale Signature Credit Card offers insurance coverage of ₹2.5 lakhs against fraudulent transactions for lost or stolen cards.

Question 7

How can I redeem the reward points earned with my Kotak Royale Signature Credit Card?

Accepted Answer

Reward points from the Kotak Royale Signature Credit Card can be redeemed via kotakrewards.com or easyrewardz for air tickets, merchandise, e-vouchers, and more.

Question 8

What are the eligibility criteria for applying for the Kotak Royale Signature Credit Card?

Accepted Answer

Applicants for the Kotak Royale Signature Credit Card must be 21-65 years old with a minimum net annual income of ₹24 lakhs and a decent credit score of 750+.

Question 9

Are there any upcoming changes to the Kotak Royale Signature Credit Card benefits?

Accepted Answer

Yes, effective June 1, 2025, changes include new spend conditions for lounge access and revised reward point earnings on certain categories like fuel, wallet load, and utilities.

Question 10

How does the Kotak Royale Signature Credit Card help with fuel and railway transactions?

Accepted Answer

The Kotak Royale Signature Credit Card offers a 1% fuel surcharge waiver (max ₹3,500 annually) and a railway surcharge waiver (max ₹500 annually).

Kotak Royale Signature Credit Card

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