What are the key benefits of the Kotak Royale Signature Credit Card?

The Kotak Royale Signature Credit Card offers accelerated reward points on various spends, complimentary domestic lounge access, and waivers on fuel and railway surcharges.

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

The Kotak Royale Signature Credit Card comes with 'Nil' joining fee, making it accessible without an upfront charge.

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

You earn 2 Reward Points per ₹150 on general spends and 4 Reward Points per ₹150 on special categories like hotels, dining, and international transactions with your Kotak Royale Signature Credit Card.

Does the Kotak Royale Signature Credit Card offer lounge access?

Yes, the Kotak Royale Signature Credit Card provides 2 complimentary visits per quarter to select Domestic Lounges in India.

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

Yes, the Kotak Royale Signature Credit Card offers a 1% fuel surcharge waiver for transactions between ₹500 and ₹3000 (max ₹3500 annually).

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

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

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

You can redeem your Kotak Royale Signature Credit Card reward points for air tickets, mobile recharge, merchandise, and e-vouchers via easyrewardz or kotakrewards.com.

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

The Kotak Royale Signature Credit Card provides insurance coverage of ₹2.5 lakhs against fraudulent transactions on a lost or stolen card.

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

To be eligible for the Kotak Royale Signature Credit Card, you must be between 21-65 years old, have an income of ₹24 lakhs per annum or above, and a good credit score.

How do the new reward point earning rules for Kotak Royale Signature Credit Card affect me from June 2025?

From June 2025, reward points on your Kotak Royale Signature Credit Card will be capped for education, insurance, utility, and government spends, and discontinued for wallet load, fuel, rent, and online gaming.

Kotak Mahindra Bank

Kotak Royale Signature Credit Card

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Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn up to 30,000 bonus reward points on annual spends of ₹8 Lakhs.

Rewards Rate

Earn 2 RPs/₹150 on general spends; 4 RPs/₹150 on Hotels, Dining, Travel, International Spends.

Reward Type

Reward Points

Reward Redemption

Redeem points for air tickets, mobile recharge, merchandise, e-vouchers via easyrewardz/kotakrewards.com.

Domestic Lounge Access

2 complimentary visits/quarter to select domestic lounges. From June 2025, requires ₹75k spend/quarter.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

₹2.5 lakhs cover against fraudulent transactions on a lost/stolen card.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Enhanced travel benefits with lounge access, fuel & railway surcharge waivers.

What matters, explained clearly

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Frequently Asked Questions

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

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