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Kotak Royale Signature Credit Cards in India

The Royal Signature Kotak credit card is the newest offering from the company and is aimed at those that travel frequently, dine outdoors and love to shop. With up to 4X reward points on select categories, perks like book my show vouchers and a version of the card that requires no signup fee, the Kotak Royale Signature credit card allows you to fund all your leisurely activities, whilst earning points the whole time.

Kotak Royale Signature Credit Card Features & Benefits

Kotak Royale Signature Credit Card

  • Annual Fee waiver: 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.

  • The Ease of Contactless payments: With your Royale Signature credit card, you can use the Visa PayWave technology that the card is equipped with in order 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.

  • Cover against Fraud: Credit card companies understand that sometimes fraud can take place, not at the behest of the owner of the card. The Kotak Royale signature credit card, therefore, comes with cover against fraudulent transactions of up to 2.5 lakhs if the card is lost or stolen.

  • Priority Service on SMS: With the Royal Signature card Kotak also offers priority service through which you can get a call back simply by SMS-ing “KASSIST” to 5676788, within two minutes.

Kotak Royale Signature Credit Card Fees & Charges



Interest Rate

3.4% per month, or 37.2% per year.

ATM Withdrawal Fee

300 Rupees

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 rupees

Late Payment Charge

If the statement amount is :

Less than 500 - 100 Rupees

Between 500 and 10,000- 500 Rupees

10,000 or above : 700 rupees. 

Over limit charges


Charge to add-on card

No charge

Annual Charges

Free variant : 999 Rupees
Paid Variant : 999 Rupees

Kotak Royale Signature Credit Card Rewards

  • Travel related benefits: Along with your Royale Signature credit card, you receive complimentary airport lounge visits at domestic airports. In addition to this, you can also give your guests free, and unlimited access in addition to a number of other benefits such as free wifi, TV and even a gourmet meal. 

  • 4X Reward Points: With the Kotak Royale Signature credit card, you receive 4X points on every 150 rupees you spend when you spend on a number of categories such as expenditure on travel, restaurant, on travel agencies/tour operators as well as air carriers and any international expenditure. 

  • Milestone benefits: For every expenditure milestone that you meet with your Royal Signature credit card from Kotak, you receive certain incentives and benefits. For instance, if you spend 4 lakhs or more in the first year of owning the card, you get 10,000 reward points. If this amount is 8 lakh or above, you get 30,000 points as your Kotak Royale Signature credit card reward.


Kotak Royale Signature Credit Card

Kotak Royale Signature Credit Card Eligibility Criteria

Any credit card, including the Kotak Royale Signature Credit card, effectively allows the cardholder to avail of instantaneous loans to fund expenditure, which they can repay later as their credit card bill. Therefore, in order to afford you the loan, the company must make sure that you meet certain eligibility criteria that assure them you won't default on your payments. 

  • The primary cardholder has to be between the ages of 21 to 65 years, with the add-on cardholder of the Royale Signature credit card having to be at least 18 years of age.

  • The Kotak Royale Signature credit card is only available for residents of Bangalore, Ahmedabad, Chennai, Chandigarh, Delhi NCR, Hyderabad, Kolkata, Pune and Mumbai.

  • In order to be eligible for the Kotak Royale signature credit card, one must have an annual income that is or exceeds 24 lakhs.

How to Apply for Kotak Royale Signature Credit Card

There are a number of ways you can apply for the Kotak Royale Signature credit card, the foremost is through the aforementioned customer care number. 


You can also apply for the Royal Signature Kotak credit card through the bank’s website, or through third-party vendors. 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. 

How to reach Kotak Royale Signature Credit Card Customer Care?

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 in order to have your query resolved. 


You can contact Kotak Credit Card customer care on 1860 266 266 in order to get your query resolved. This number can also be used to request that your card be deactivated in the event that it is stolen or lost.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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The Kotak Royale Signature credit card is one of the many offerings from the company that allow you to get points on expenditure on travel, restaurants and more. Credit cards can be used by customers to facilitate their expense 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.

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