Kotak NRI Royale Signature Credit Card: Features & Benefits

Summary

The Kotak NRI Royale Signature Credit Card is a high-end credit card that is specially designed for NRIs to make hassle-free spending perks available for both India and abroad. The card is well-suited for NRIs traveling frequently or maintaining control over India as it will provide a more satisfying experience both on domestic as well as on foreign transactions.

Users of this card accrue 2 reward points for every ₹200 spent in India and 4 reward points for every ₹200 spent overseas. Many different facilities allow one to access reward points: ticketing of aircraft, hotel reservations, shopping, and many more. Moreover, cardholders have free access to airport lounges throughout India, which helps them to have a pleasant and hassle-free travel experience.

One daily commuting cost is saved by the 1% surcharge waiver on fuel purchases between ₹500 and ₹3,000, which is a basic benefit of the Credit Card. The card offers high insurance coverage, including personal accident insurance as well as air accident insurance for financial protection in case of crisis.

Introduction

If you happen to be a Non-Resident Indian looking forward to planning better for financial requirements in India, then here’s a possible deal for you with Kotak Mahindra Bank’s offer – Kotak Royale Signature Credit Card. Designed exclusively for catering to the NRI customer requirement, the Kotak Royale Signature Credit Card is surely an excellent source. With its help, you can easily transact not only in India but also abroad, along with this, you also get many great benefits and facilities with Kotak Royale Signature Credit Card.

Kotak Royale Signature Credit Card not only makes your daily transactions easier but also provides you with special facilities like airport lounge access, fuel surcharge waiver, cashback offers, etc. With Kotak Royale Signature Credit Card, you can not only make your transactions safe and easy but also earn reward points on every purchase, which you can later redeem in different ways.

The specialty of the Royale Signature Credit Card is that it helps you meet your lifestyle and travel needs. Apart from this, you also get great discounts on foreign exchange transactions on Kotak Royale Signature Credit Card, so that you can save more on your purchases abroad. Kotak Royale Signature Credit Card is a high-class credit card that makes your every purchase special.

In today’s article, we will discuss in detail about Kotak Royale Signature Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Kotak Royale Signature Credit Card and will discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the Kotak NRI Royale Signature Credit Card?

Credit Card is a special credit card of Kotak Mahindra Bank, which is specially designed for NRIs (Indians living abroad). The main objective of Kotak Royale Signature Credit Card is to help NRI customers meet their financial needs in India and abroad with ease.

With the Kotak Royale Signature Credit Card, you also get many great features like reward points on every purchase, airport lounge access, and discount on fuel surcharge, etc. Apart from this, Kotak NRI Royale Signature Credit Card also gives additional benefits on foreign exchange transactions, so that you can easily shop abroad.

How is the Kotak NRI Royale Signature Credit Card designed?

Kotak NRI Royale Signature Credit Card has been designed to make international and domestic spending more rewarding and easy for Non-Resident Indians. Its benefits include high reward points on international transactions, airport lounge accessibility, and waivers on fuel surcharges.

The card provides other benefits also that include traveling and insurance facilities and ensures smooth shopping, travel, and expenditure handling for NRIs. An elegantly designed card with premium features makes this an excellent option for NRIs, who will not only receive luxury but convenience along with it.

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

Here are the major benefits of real reward points:

1. Earn Reward Points on Every Spend

• 2 reward points for every ₹200 spent in India.

• 4 reward points for every ₹200 spent internationally.

2. Airport Lounge Access

• Get complimentary airport lounge access in India to relax before flights.

3. Fuel Surcharge Waiver

• Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

4. Insurance Cover

• Get personal accident insurance and air accident coverage for added security.

5. Interest-Free Period

• Up to 48 days’ interest-free credit can help you better manage your cash flow.

6. Easy Redemptions

• Redeem points for flight tickets and hotel stays, gifts, and much more.

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

Here is a simple Kotak NRI Royale Signature Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Kotak NRI Royale Signature Credit Card?

The following are the primary requirements:

1. To apply for the Kotak NRI Royale Signature Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Kotak NRI Royale Signature Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Kotak NRI Royale Signature Credit Card be used?

Here is the list of places where you can use it:

• With the Kotak NRI Royale Signature Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Kotak NRI Royale Signature Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Kotak NRI Royale Signature Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Kotak NRI Royale Signature Credit Card?

The credit amount you can spend is what you are provided with a Kotak NRI Royale Signature Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Kotak NRI Royale Signature Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Kotak Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Kotak NRI Royale Signature Credit Card.

• Just hover your cursor on the Royale Signature Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Kotak Bank branch to apply for the Credit Card.

• Request for the credit card application form for the Kotak NRI Royale Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Kotak NRI Signature Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Kotak NRI Royale Signature Credit Card in 2025 be right?

Yes, getting a Kotak NRI Royale Signature Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Kotak NRI Royale Signature Credit Card can prove to be a great option for NRI customers, helping them meet their financial needs with ease and precision. The Kotak Royale Signature Credit Card has several special features that set it apart from other credit cards. Whether you are in India or abroad, Kotak Royale Signature Credit Card makes your every purchase and transaction convenient.

Through the Credit Card, you get facilities like airport lounge access, fuel surcharge waiver, and reward points, which provide a great opportunity to save on your everyday expenses. Apart from this, Kotak Royale Signature Credit Card also offers great benefits on foreign currency transactions, allowing you to save more even when shopping abroad.

Frequently Asked Questions (FAQ’s)