Kotak Royale Signature Credit Card: Benefits & Apply

Summary

Kotak Royale Signature Credit Card: Let’s take a look at this premium credit card designed for those with a penchant for luxury, traveling, and shopping, earning rewarding points to boot. Its reward point system is excellent, with 4 reward points earned for every ₹150 spent on traveling, dining, and international transactions and 2 reward points for every ₹150 on all other spends. It also offers milestone rewards, through which, using the card, a card user can earn 10,000 bonus points, spending ₹4 lakh annually and 30,000 bonus points on spending ₹8 lakh.

It offers lounge access at 2 airport lounges in one’s domestic journey every quarter. The fuel costs are also taken care of by waiving the 1% fuel surcharge for transactions between ₹500 – ₹3,000. Contactless technology makes all transactions fast and secure, without the headache of swiping or entering one’s PIN for small transactions.

One of the major benefits of the Royale Signature credit card, however, lies in its redemption options when it comes to rewards. The acquired points are redeemed for flights and hotels as well as shopping and exclusive vouchers. The card, therefore, is highly rewarding since one makes frequent spending across different categories.

Introduction

Royale Signature Credit Card from Kotak Mahindra Bank is specially designed for those who want to meet their daily needs with ease and enjoy a host of benefits and conveniences. The Kotak Mahindra Royale Signature Credit Card falls under the premium category and offers cardholders exclusive discounts on travel, shopping, entertainment, and other services. It enables you to save wisely on your purchases and also utilize reward points on your expenses.

Kotak Mahindra Royale Signature Credit Card is one of the best options for those who look forward to upgrading their life and earning rewards and cashback on their expenses and other basic needs. With a multitude of benefits like free airport lounge access, insurance protection, and unlimited reward points, this credit card will be something unique in one’s life. The Kotak Mahindra Royale Signature credit card is a very useful tool for people who travel a lot or spend money on things that amount to a great deal.

The biggest attraction of the credit card is the flexible reward points facility, which you can use for hotel bookings, flight tickets, online shopping, and many other places. Along with this, the Kotak Mahindra Royalee signature credit card also proves to be very useful for travelers traveling abroad, as it also offers special reward points on international transactions.

In today’s article, we will discuss in detail the Kotak Mahindra 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 Kotak Mahindra Royale’s signature credit card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the Kotak Royale Signature Credit Card?

Kotak Mahindra Bank is one of those premium credit cards that help anyone who wishes to gain additional benefits from his purchase, traveling, or any other necessary daily expenditure. With Credit Card, a customer enjoys privileges like reward points, cashback, access to the lounge available at airports, and insurance benefits.

The Kotak Mahindra Royale Signature Credit Card not only provides you with a chance to save on expenses but also upgrades your lifestyle. It can be used for international as well as domestic transactions and with its help, you can avail many great offers.

The Kotak Mahindra Royale Signature Credit Card is the specialty of the Kotak Mahindra Bank. Kotak Mahindra Royale Signature Credit Card is especially for people who require extra facilities and special services for their spending.

How is the Kotak Royale Signature Credit Card designed?

This Royale Signature Credit Card is for those who love luxury and travel. It provides the premium benefits of earning reward points on every purchase, airport lounge access, fuel surcharge waivers, and special discounts on travel, dining, and shopping.

It is also a milestone card, meaning you receive extra rewards for the amount you pay within a year, and it also has contactless payment technology, so you pay with ease and safety.

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

Here are the key benefits with actual reward points:

1. Earn Reward Points on Every Spend

• 4 Reward Points per ₹ 150 spent on categories such as travel, dining, and international transactions. 2 Reward Points per ₹ 150 spent on all other purchases.

2. Milestone Benefits

• Get 10,000 bonus reward points on spending ₹ 4 lakh in a year. Get 30,000 bonus reward points on spending ₹ 8 lakh in a year.

3. Airport Lounge Access

• Use 2 free local airport lounge visits per quarter.

4. Fuel Surcharge Waiver

• Earn a 1% fuel surcharge waiver on all purchases between ₹500 – ₹3,000 at any fuel station in India.

5. Contactless Payment & Security

• Make fast and secure payments using the tap & pay facility.

• Card protection against fraud and theft.

6. Reward Point Redemption

• Use the points on flight booking, accommodation stay, shopping, or gift vouchers.

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

Here is a simple Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	₹999 = GST per year. This will be waived if you spend 1,00,000 or more in a year.
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 Royale Signature Credit Card?

The following are the primary requirements:

1. To apply for the 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 2 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 Royale Signature Credit Card?

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

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Kotak Royale Signature Credit Card be used?

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

• With the Kotak 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 Royale Signature Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The 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 Royale Signature Credit Card?

The credit amount you can spend is what you are provided with a 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 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 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 Royale Signature Credit Card.

• Request for the credit card application form for the Signature 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 Royale 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 Royale Signature Credit Card in 2025 be right?

Yes, getting a Kotak 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

The Royale Signature Credit Card will be most apt for those looking to reap maximum benefits from every purchase and every expense. As it comes with reward points, cashback, and special discounts, it is a premium credit card. This Royale Signature Credit Card also offers the following travel-related benefits, like airport lounge access and travel insurance, besides general shopping.

Features and benefits that will make your life easier and enjoyable. If you are a travel enthusiast or a smart shopper, then using the Royale Signature Credit Card will benefit you. Besides, the charges for the Royale Signature Credit Card are well-balanced with the benefits it offers so you can use it without a care in the world.

If you want to apply for the Royale Signature Credit Card, then it is a very easy and convenient process. You can apply within a few minutes by visiting the Kotak Mahindra Bank website. With the required documents and eligibility, you can easily get the Royale Signature Credit Card and enjoy its benefits.

Frequently Asked Questions (FAQ’s)