Kotak Bank Royale Signature Credit Card

1. Ensures annual fee waiver on annual retail spend of Rs.1 lakh. 

1. Bonus reward points of 10,000 and 30,000 on spending more than Rs.4 lakh or Rs.8 lakh on anniversary year, respectively. 

Features and Benefits of Kotak Royale Signature Credit Card

The key features and benefits of Kotak Royale Signature credit card are given below: 

The revised reward points on various categories are listed in the table below: 

Reward Redemption

The details about the reward redemption on Kotak Royale Signature credit card are given below: 

1. Reward Points can be redeemed for Mobile Recharge, Shopping (more than 10,000 products), E-vouchers (various brands), Movies (BookMyShow vouchers), Travel, and more. 

1. From 1 June 2025, cash value for redemption will be revised to Rs.0.20 per Reward Point (from Rs.0.25). 

1. For cash value redemption, a minimum of 2,000 Reward Points is required. 

1. For categories like Mobile Recharge and Shopping, 1 Reward Point is equal to Rs.0.25. 

Milestone Program

The details about Kotak Royale Signature credit card milestone program are mentioned below: 

1. Earn Bonus Reward Points on meeting spending milestones during the anniversary year: 

1. Spend Rs.4 lakh: Get 10,000 Bonus Reward Points 

1. Spend Rs.8 lakh: Get 30,000 Bonus Reward Points 

1. Bonus points are credited at the end of the anniversary period based on eligibility. 

1. Only one milestone bonus can be earned per year. 

Milestone Program Periods

1. Cards issued before 25th Feb 2017: Anniversary period is 1st Feb to 31st Jan. 

1. Cards issued after 25th Feb 2017: Anniversary period runs from issue date to next anniversary. 

1. For milestone benefits, only transactions settled during the milestone period are counted. Example: If the milestone period is 1 Jan 2025 to 31st Dec 2025, only transactions settled by 31 Dec 2025 apply. 

Note: Spends on Utility, Wallet Load, Fuel, Online Skill-based Gaming, Insurance, Government, Rent, and Education will not count toward milestone benefits from 1 June 2025. 

How to Redeem Reward Points on Kotak Royale Signature Credit Card?

Before making a purchase, check your rewards points balance on the Kotak Rewards website or app. You can redeem your Kotak Rewards by following the instructions given below: 

1. Visit the official page of Kotak Royale Signature Credit Card. 

1. Navigate to ‘Reward Redemption’ page or visit the kotakrewards page directly. 

1. Click on your preferred category, such as travel, shop, recharge, voucher, and deals. 

1. Select a product and add it to your cart. 

1. Redeem your reward points during check out and complete the transaction. 

Note: If you do not have enough points for your desired redemption, pay the remaining amount using your Kotak Credit or Debit Card. This allows you to complete your transaction without missing out on the products or services you want. 

Credit Limit on Kotak Royale Signature Credit Card

The credit limit of Kotak Royale Signature Credit card along with the cash limit will be communicated to each cardholder at the time of card delivery. The credit limit on the card typically depends on the income of the applicant. Cash limit is a portion of the credit limit reserved for cash withdrawals. If you enable international transactions on your Signature credit card, the credit limit of the transactions remains the same as the total limit on the card. The available credit limit on the credit card is different from the total credit card and it varies as per your card usage. You will find the available credit limit in your monthly credit card statement.

You can apply for credit card limit enhancement by contacting the bank directly. However, such requests can be made after using the card for a certain period as stipulated by the bank.

Fees and Charges of Kotak Royale Signature Credit Card

The fees and charges applicable on Kotak Royale Signature credit card are listed below: 

Other charges

Note:  

1. Fees on outstation cheque processing, charge slip request, duplicate statement request, web pay service, balance enquiry charges at non-parent bank ATM, and machine surcharge at ATMs are waived off. 

1. The revised fees and charges are applicable from 1 June 2025. 

Eligibility to Apply for Kotak Bank Royale Signature Credit Card

You can apply for the Kotak Bank Royale Signature Credit Card if you meet the following conditions:

1. You are aged between 21 to 65 years and the supplementary cardholder is at least 18 years of age.
2. You are a resident of India and reside at any of the following locations including Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune and Mumbai.
3. Your annual income is at least Rs.24 lakh.
4. Must be an Indian resident. 

Documents Required to Apply for Kotak Royale Signature Credit Card

You will have to submit an identity proof and proof of income. Documents like PAN card, salary slip, Income Tax returns statement, Voter ID, Aadhar, etc. will be asked for during the application process. Kotak Mahindra Bank would inform you if it needs some additional documents.

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