Kotak Royale Signature Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on other retail transactions)
Overview
Kotak Royale Signature Credit Card by Kotak Mahindra Bank provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on other retail transactions)
- • Accelerated Rewards: 4X Reward Points (4 RPs per ₹150) on Special Categories: Hotels, Restaurants, Travel Agencies, Airlines, Package Tours, Departmental Stores
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
Zero joining fee promotional benefit on online approval; Qualification Criteria: Card activation; Fulfillment Timeline: Immediate
Milestone Benefit
Spend ₹1 Lakhs (Annual): Annual renewal fee waiver of ₹999; Spend ₹4 Lakhs (Annual): 10,000 bonus Reward Points; Spend ₹8 Lakhs (Annual): Additional 20,000 bonus Reward Points (Total 30,000 bonus points); Annual Fee Waiver: Spend ₹1,00,000 or more in preceding 12 months for fee waiver
Redemption
Kotak Rewards catalog for airline miles, gift vouchers, and statement cash credit
Benefits
- Domestic Airport Lounge: 8 per year (2 per calendar quarter) via Visa Signature Domestic Lounge
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month)
- Complimentary Railway Lounge: 2 complimentary railway lounge visits per calendar quarter across India. (At IRCTC executive railway lounges) [Partners: IRCTC]
Things to Know Before you apply
Kotak Royale Signature Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹30,000/month; Self-employed min ITR ₹3,60,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | ₹999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹1,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Kotak Royale Signature Credit Card issued by Kotak Mahindra Bank is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on other retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
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₹500
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₹500
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₹500
- • Zero joining fee promotional benefit on online approval
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • 500 CashPoints on payment of joining fee
- • Qualification Criteria: Joining fee realization
- • Fulfillment Timeline: 30-45 days post fee realization
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on other retail transactions)
- • Accelerated Rewards: 4X Reward Points (4 RPs per ₹150) on Special Categories: Hotels, Restaurants, Travel Agencies, Airlines, Package Tours, Departmental Stores
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints per calendar month)
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 2 Reward Points per ₹150 (2 Reward Points per ₹150 on other retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions