Here’s all you need to know about the card, right from features to customer care details! And, for more options.
The Royal Signature Kotak credit card is one of the popular offerings from the company and is aimed at those who travel frequently, dine outdoors, and love to shop. With up to 4X reward points on select categories and other perks, the Kotak Royale Signature credit card allows you to fund all your leisurely activities, whilst earning points the whole time.
With the Kotak Royale Signature credit card, you can get a fee waiver for your first year if you spend ₹1 Lakh or more on the card.
You can use the Visa PayWave technology that the card is equipped with to carry out seamless contactless payments at places that accept them.
If the transaction amount is less than ₹2,000, you are not even required to use a PIN.
Read MoreCredit card companies understand that sometimes fraud can occur, not at the behest of the card owner.
Therefore, the Kotak Royale Signature Credit Card comes with cover against fraudulent transactions of up to ₹2.5 Lakhs if the card is lost or stolen.
Read MoreThis card also offers priority service through which you can get a call back simply by sending an SMS with the text “KASSIST” to 5676788, within two minutes.
To provide you with the loan, the company must make sure that you meet certain eligibility criteria:
Minimum Age: 21 years
Maximum Age: 65 years
Location: Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune, and Mumbai
Annual Income: Over ₹24 Lakhs
You can also apply for the Royal Signature Kotak credit card through the bank’s website or third-party providers. Please note that the Kotak Royale Signature credit card is not available on the Bajaj Markets website, and will have to be purchased on the company’s website.
Fee |
Amount |
---|---|
Interest Rate |
3.4% per month, or 37.2% per year. |
ATM Withdrawal Fee |
₹300 |
Joining fee |
For the paid variant, the joining fee is ₹1,499. For the free variant of the Kotak Royale Signature card, there is no joining fee. |
Card Replacement |
₹100 |
Late Payment Charge |
If the statement amount is :
|
Over limit charges |
₹500 |
Charge to add-on card |
No charge |
Annual Charges |
|
Disclaimer: The aforementioned fees and charges are subject to change at the issuer's discretion. Please refer to the issuer's MITC document for more details.
In case you have a problem with your Royal Signature Kotak credit card or with its Royale Signature Kotak credit card reward points redemption process, you reach out to the customer care department to have your query resolved.
You can contact Kotak Credit Card customer care on 1860 266 266 to get your query resolved. This number can also be used to request that your card be deactivated if it is stolen or lost.
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The Kotak Royale Signature Credit Card is one of the many offerings from the company that allows you to get points on expenditure on travel, restaurants, and more. Credit cards can be used by customers to facilitate their expenses and then repay the bill.
The credit limit on the Kotak Royale Signature credit card depends on the customer’s income etc, and other factors such as whether they want the ability to spend internationally or not.
A credit card statement provides you with a historical record of the actions taken on your credit card during a certain period.
The card offers a range of features such as:
Complimentary airport lounge access
Accelerated reward points on specific categories
Milestone benefits
Fuel surcharge waivers
Concierge services
You can apply for the Kotak Mahindra Bank Royale Signature Credit Card by:
visiting the bank's official website
filling out the online application form
contacting the bank's customer service helpline for assistance
The eligibility criteria typically include factors such as age, income, credit score, and other financial parameters. Applicants must meet the bank's specified criteria to qualify for the credit card.
To get complimentary airport lounge access, simply present your Kotak Mahindra Bank Royale Signature Credit Card at participating airport lounges. The number of visits and lounge access privileges may vary based on the card's terms and conditions.
You can redeem reward points earned on the Kotak Mahindra Bank Royale Signature Credit Card through the bank's rewards redemption portal or customer service helpline. Redemption options may include merchandise, vouchers, travel bookings, or statement credit, depending on the card's rewards program.