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Kotak Royale Signature Credit Card

The Kotak Royale Signature Credit Card offers 2X reward points on select travel and dining spends, making it ideal for frequent travelers and food enthusiasts. Cardholders enjoy 8 complimentary domestic lounge visits annually. The first-year fee is ₹1,499 plus applicable taxes, providing valuable rewards and premium privileges throughout the year.

Kotak Royale Signature Credit Card

About the Royale Signature Credit Card

The Royale Signature Credit Card is designed for individuals who frequently spend on travel and dining. Cardholders earn accelerated rewards—2X points on hotel bookings, flights, restaurants, travel agencies, and international transactions. Other purchases earn a base rate of 2 points per Rs. 150 spent.

Although it provides higher rewards for travel-related spends, the effective reward value is modest, with points redeemable at approximately Rs. 0.25 per point.

Additional benefits include complimentary domestic lounge access, railway and fuel surcharge waivers, and milestone rewards of up to 30,000 points on annual spends of Rs. 8 Lakh. The card carries a moderate annual fee, with straightforward conditions to waive it, making it suitable for frequent travelers seeking value and convenience.

Rewards Program

Earning Rewards

  • Earn 4 points for every Rs. 150 spent on travel-related expenses, including hotels, airlines, restaurants, travel agencies, tour operators, and international transactions.

  • Earn 2 points for every Rs. 150 spent on all other purchases.

Redeeming Rewards

  • Convert points into cash at a rate of 1 point = Rs. 0.20.

  • Use points at a higher value of 1 point = Rs. 0.25 through the “Pay with Points” option at the checkout or redeem for products and vouchers from the rewards catalogue.

Other Features & Benefits

Lounge Access

  • Enjoy up to 8 complimentary visits annually to select airport lounges in India when you spend Rs. 75,000 in the preceding quarter.

Milestone Rewards

  • Receive 10,000 bonus points on yearly spending of Rs. 4 lakh.

  • Receive 30,000 bonus points on yearly spending of Rs. 8 lakh.

Annual Fee Waiver

  • Get your annual fee waived by spending Rs. 1 lakh in a year.

Railway Convenience

  • Avail waiver of railway surcharges up to Rs. 500 annually on transactions via IRCTC website or counters.

Fuel Benefits

  • 1% fuel surcharge waiver up to Rs. 3,500 per year on fuel purchases between Rs. 500 and Rs. 3,000.

Kotak Royale Signature Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Kotak Royale Signature Credit Card: Fees & Charges

Fees & Charges Amount
Joining Fee Rs. 1,499 + Applicable Taxes
Annual/ Renewal Fee Rs. 999 + Applicable Taxes
Financial Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
More than Rs. 100 to Rs. 500 Rs. 100
More than Rs. 500 to Rs. 1,000 Rs. 500
More than Rs. 1,000 to Rs. 5,000 Rs. 600
More than Rs. 5,000 to Rs. 10,000 Rs. 750
More than Rs. 10,000 to Rs. 25,000 Rs. 900
More than Rs. 25,000 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before Applying

Who Should Consider This Card

  • Individuals who often spend on dining and shopping.

  • Those who can spend around Rs. 8 lakh annually to unlock maximum milestone rewards.

  • Users seeking a card focused on earning and redeeming reward points.

  • Frequent travelers who want higher rewards on select travel-related expenses.

Eligibility Requirements

  • Minimum age: 21 years

  • Maximum age: 60 years

  • Minimum annual income: Rs. 24 lakh

Steps to Close Kotak Royale Signature Credit Card

If you want to close your Kotak Royale Signature Credit Card, it is important to follow the proper procedure provided by Kotak Mahindra Bank to ensure a smooth and successful closure.

Close via Customer Care

You can initiate the closure request by contacting customer support:

  • Call the Kotak credit card helpline: 📞 1860 266 0811

  • Request the executive to process your credit card closure

  • Provide necessary details such as:

    • Last four digits of your card

    • Registered mobile number

    • Basic verification information

Follow the instructions shared by the representative to complete your request.

Close by Visiting a Branch

Alternatively, you can visit the nearest Kotak Mahindra Bank branch:

  • Submit a written request for credit card closure

  • Provide identity verification and card details

  • The bank staff will guide you through the closure process

Important Points to Remember

  • Clear all outstanding dues, including EMIs, interest, and applicable charges

  • Redeem your reward points, as they may expire after closure

  • Stop using the card once you submit the closure request

  • Cancel all auto-debits or subscriptions linked to the card

  • Request confirmation via SMS or email after successful closure

After Closure

  • Safely destroy the card by cutting across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

  • Report any discrepancies to the bank immediately

Kotak Royale Signature Credit Card Helpline Number

If you need assistance regarding your Kotak Royale Signature Credit Card, you can easily connect with the customer support team of Kotak Mahindra Bank. The bank provides multiple helpline options to help with billing issues, payments, card blocking, and other credit card-related services.

📞 Customer Care Numbers

You can contact Kotak credit card support using the following numbers:

These helpline numbers can be used for various requests, including billing queries, card closure, and reporting lost or stolen cards.

City-Wise Customer Care Numbers

If you are unable to connect through the primary helplines, you can reach out using city-specific contact numbers:

  • Ahmedabad: (079) 66006022

  • Bangalore: (080) 66006022

  • Chennai: (044) 66006022

  • Hyderabad: (040) 66006022

  • Mumbai: (022) 66006022

  • New Delhi: (011) 66006022

  • Pune: (020) 66006022

Services Available

Customer care can assist you with:

  • Credit card billing and statement-related queries

  • Payment assistance and outstanding dues information

  • Reporting lost or stolen credit cards

  • Card blocking, replacement, or upgrade requests

  • Credit card closure or cancellation requests

Important Tips

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information such as OTP, PIN, or CVV

  • Always note down the complaint or reference number for tracking

  • Call charges may apply depending on your telecom operator

FAQs

How do I apply for this credit card?

You can apply online by filling out the application form and submitting the required documents through the bank’s portal. Alternatively, you can apply offline by visiting the nearest branch and submitting the form in person.

Yes, cardholders can enjoy up to 8 complimentary domestic lounge visits per year, limited to 2 visits per quarter. This benefit is available after spending Rs. 75,000 in the previous quarter.

Yes, reward points can be redeemed for cash at a rate of 1 point = Rs. 0.20. You can also use the “Pay with Reward Points” option at the point of sale or redeem points for products, vouchers, travel, movies, and other items from the rewards catalogue.

The card charges a forex markup of 3.5% on international transactions. For frequent international spending, a card with a lower or zero forex fee may be more suitable.

No, the card does not provide rewards for fuel purchases, wallet recharges, rent payments, or online skill-based gaming transactions.