The Kotak Royale Signature Credit Card is a credit card from Kotak, with a minimum income requirement of ₹24 lakhs per annum.
You earn 2.66 reward point worth ₹0.66 (66 paise), on every ₹100 you spend in the below categories-
– Travel : Hotels || Travel Agencies & Tour Operators || Package Tour Operators || Airlines and Air Carriers
– Restaurants
– International spend
1 reward point = ₹0.25 or 25 paise. You can redeem your rewards points on Kotak Rewards (Kotak’s rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, and more.
You earn 1.33 reward point worth ₹0.33 (33 paise), on every ₹100 you spend on all other card purchases.
1 reward point = ₹0.25 or 25 paise. You can redeem your rewards points on Kotak Rewards (rewards redemption platform).
You get either –
– 10,000 reward points worth ₹2500, when you spend ₹4 lakhs or more on your card each year – 0.62% benefit.
OR
– 30,000 reward points worth ₹7500 , when you spend ₹8 lakhs or more on your card each year – 0.93% benefit.
You get one of the two rewards listed above, at the end of the card anniversary year.
You get free visits to airport lounges in India, 8 times per year (maximum 2 times per quarter).
For list of lounges, please click here. This program is brought to you by Dreamfolks.
You get surcharge waiver for railway ticket bookings–
– 1.80% surcharge waiver for transactions made on the IRCTC website
– 2.50% surcharge waiver for transactions made at Indian railway booking counters
– Maximum waiver of ₹500 per year
You get 1% fuel surcharge waiver, only on fuel transactions between ₹500 and ₹3000. And only on yearly fuel purchases upto ₹3.50 lakhs per calendar year (since the maximum waiver amount is capped at ₹3500 per year).
Please click here to see all options on how to contact the bank.
Instead of you trying to reach Kotak, they will reach you, thus ensuring dedicated priority service. You need to SMS “KASSIST” to 5676788, and they will call you back within 2 hours.
You get exclusive everyday special offers. These offers can be found on the official Kotak website and includes discounts, cashback, rewards, and other benefits across various categories such as dining, shopping, travel, and more.
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹999 | – |
| Renewal fee from 2nd year onwards | ₹999 | Renewal offer – Annual fee is not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year. |
Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.
Interest Charges on outstanding Balances
3.50% per month (42% per annum)
Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– Please click here to view all fees & charges on this card
Some basic criteria is given below, there maybe additional requirements based on your profile, this is at the sole discretion of Kotak Mahindra Bank.
| Minimum age | Primary cardholders : 21 years Add-on cardholders : 18 years or above |
| Maximum age | 65 years |
| Minimum income | ₹24 lakhs per year |
| Other criteria | Regular source of income, good credit score preferably above 750 |
| Cities at which card is available | Card is only given at the following cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune |
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Kotak Mahindra Bank website. You can also visit official website of the bank and fill out the application form. Steps – 1. Fill in the required details in the online application form, including personal and employment details, contact information, and income details. 2. Submit the application form along with the necessary documents such as identity proof, address proof, income proof and age proof. 3. Once your application is received, Kotak Mahindra Bank will review your application and verify the information provided. 4. Upon successful verification, you will receive a confirmation, and your Credit Card will be dispatched to your registered mailing address. |
| Offline (face to face) application process | Alternatively, you can also apply for the card by visiting the nearest Kotak Mahindra Bank branch, and submitting your application along with the necessary documents. To find the branch nearest to you, please visit here. |
| Tracking card application status | You can track your credit card application status by clicking here – Kotak Credit Card Application Status |
Common documents required to attain a credit card are as follows. Additional documents may be required on a case-to-case basis, this is at the sole discretion of Kotak Mahindra Bank.
| Required documents | For salaried employees : – Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one) – Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one) – Income proof : Salary slips, Form 16, income tax returns (any one) – Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one) For self-employed professionals : – Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one) – Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one) – Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one) – Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one) |
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