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Kotak Royale Signature Credit Card
Annual Fees
999
Add to Compare
Percentage Savings range
0.5%
Spend on categories like Hotels |Restaurants |Travel Agencies & Tour Operators | Package Tour Operators | Airlines and Air Carriers | International Spends
Reward Type
Reward Points
Welcome Benefits
*
Minimum Income
24,00,000
Lounge Access
2 per quarter
Rewards
Core Rewards :
- 4% 4 Reward Points per Rs. 100 on Hotels, Restaurants, Travel Agencies & Tour Operators, Package Tour Operators, Airlines and Air Carriers, International Spends
- 2% 2 Reward Points per Rs. 150 on online and offline transactions
Milestone Rewards :
- Monthly : N/A
- Quaterly : N/A
- Annual : 10,000 Reward points on spending Rs. 4,00,000 and 30,000 Reward Points on spending Rs. 8,00,000 in a year
No rewards on spends : Fuel, EMI and Cash Withdrawals
Rewards Redemption
How to Redeem :
- redeem RPs on air tickets, mobile recharge, merchandise and on easyrewardz
Redemption options : Statement Cash, Mobile Recharge, Merchandise, E-vouchers, Travel
Redemption fee : NIL
Transfer partners : N/A
Complementary Benefits
Lounge access :
- Domestic Lounge : 2 per quarter
- International Lounge : Not available
- Railway Lounge : Not available
Insurance Benefits :
- Lost card liability : 2,50,000
- Personal accidental insurance : Not available
- Air accidental insurance : Not available
Other Benefits :
- Lounge Membership : N/A
- Memberships Available With Cards : N/A
- Spa Benefits : Not available
Golf Benefits :
- Lessons : Not available
- Games : Not available
Fees
Joining fees : 1499
Annual fees : 999
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.5%
Fee reversal criteria : Spend Rs. 1,00,000 in a year.
Eligibility
Minimum age : 21
Minimum ITR : 24,00,000
Minimum Salary : 2,00,000
Kotak Royale Signature Credit Card Welcome Benefits
N/A
Kotak Royale Signature Credit Card Reward Points/Cashback
- Earn 4 Reward Points per Rs. 100 on select categories like hotels, restaurants, travel, and international spends.
- Gain 2 Reward Points per Rs. 150 on all other transactions.
- Annual milestone rewards for high spenders.
- Complimentary airport lounge access.
- Coverage of Rs. 2.5 lakhs against fraudulent transactions.
- Zero Liability Protection for lost or stolen cards.
Kotak Royale Signature Credit Card Reward Point Redemption
You can conveniently redeem the Reward Points earned with your Kotak Royale Signature Credit Card through the kotakrewards.com website. These points offer flexibility in redemption across various categories, including statement cash, mobile recharge, merchandise, e-vouchers, and travel. Plus, there's no redemption fee involved. Each Reward Point is valued at Rs. 0.1875, making it easy to enjoy the benefits of your accumulated points.
Pros of Kotak Royale Signature Credit Card
N/A
Cons of Kotak Royale Signature Credit Card
N/A
Kotak Royale Signature Credit Card Benefits
- 2 quarterly domestic lounge visits.
- Fuel and railway surcharge waivers.
- Add-on cards with customizable limits.
- Priority assistance via SMS.
- Milestone rewards for higher spending.
- Contactless payments with Visa payWave.
- Enhanced security with an EMV chip and PIN.
- Flexible reward points redemption options.
Kotak Royale Signature Credit Card Charges and Fee
The Kotak Royale Signature Credit Card charges are as follows:
- Joining Fees: Rs. 1,499
- Annual Fees: Rs. 999
- Forex Markup Charges: 3.5%
- Fee Reversal Criteria: Spend Rs. 1,00,000 in a year for a fee waiver.
- Rewards Redemption Fee: Nil
- Interest Rate: 3.4% per month
- Fuel Surcharge: 1% surcharge waived at fuel stations.
- Cash Advance Charges: Rs. 300 per Rs. 10,000 withdrawn
- Add-on Card Fee: Nil
The annual fee can be waived for Kotak Privy League Optima and Insignia Customers who spend Rs. 1 lakh in an anniversary year.
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